At a price of just around $49, Google offers a compact and affordable smart speaker with its Google Home Mini. It is the perfect addition to Google’s smart home ecosystem. Moreover, it adds to the aesthetics with its small, neat design. Apart from being a Bluetooth speaker, it comes loaded with the Google assistant that lets you do a lot of cool things including the following:
Tote bags are the epitome of fashion handbags. From designer tote bags to more functional tote handbags, there’s always something for everyone.
Sometimes, buying the right tote handbag does not come easy. You can feel lost with the plethora of options laid out before you. The paradox of choice can make you return empty handed. If this sounds or feels familiar, you’ve come to the right place.
Great tote bags are practical, versatile and stylish. They don’t compromise form over function and offer the best of both worlds. Tote bags are not always expensive and you may be surprised to find that there is always a design that fits within your budget.
How do you buy the right tote bag? What should you look for when investing in your first tote? Our no-nonsense tote handbag buying guide will help you in all your queries.
Pick a color: Caramel brown, beige, navy blue and black are great color choices for buying your first designer tote bag. If you tend to spill food and end up with broken pens and pencils and material residue, consider getting a tote bag in black. If you are planning to go to the beach, pick a tote bag with brighter colors.
Think of use: Base your tote handbag buying decision around its use. Consider your age, environment, and lifestyle when shopping for a tote. If you’re a stay-at-home mom looking after your baby, you may want to get a diaper tote. If you spend a lot of time at the gym, you should consider buying a gym tote. Whether it is casual or serious use, thinking about form and function can help you invest in a better tote. It has ample space and is designed for carrying common essentials. The size and overall shape of the tote bag will depend on its use and the needs it has to cater to. The material that makes the tote bag is also a factor you must consider. Choose wisely.
Select the material: Durability and shelf life are two important considerations for new buyers in the realm of totes. Tote bags made of canvas generally last the longest when compared to bags made of other materials. These can be carried to the beach. For low maintenance totes, cotton totes can be great since they are machine-washable.
If you’d like to clean your tote by wiping with a cloth every day, getting a tote bag made of polypropylene can help. Finally, for luxury totes, leather has a sleek, polished look and can also be wiped clean.
The full-age retirement chart
A comfortable, secure, and safe retirement is probably the dream of every working individual in the country. Today, with the generation living healthier, longer lives than ever before, it is safe to assume that we will live longer than our grandparents and parents and, consequently, have longer retirement periods as well. Achieving one’s dream of a comfortable, secure retirement becomes easier and simpler when one plans his/her finances.
Full retirement age
There is an important term called as the full retirement age’ in the US. It is the age at which an individual becomes entitled to receive unreduced or full retirement benefits from the employer and government. There are certain rules when it comes to full retirement age (FRA):
If someone has been born after 1937, i.e. if that individual’sFRA is more than 65, that person will still be able to receive his/her entire benefits at age 62. However, the stipulation is that the benefits reduction is more for individuals born after 1938.
For instance, if someone’s FRA is 67.
If one begins his/her retirement benefits at the age of 62 years, then their monthly benefit reduces by as much as 30%. For other ages, the reduction for starting benefits at that particular age is:
6.7% when begun at age 66
13.3% when begun at age 65
20%when begun at age 64, and
25% when begun at age 63
Also, if one begins receiving the benefits of their spouses at the age of 62 years, then the reduction in monthly benefit is a whopping 67.5% of your amount that the spouse would have gotten had their benefits begun at FRA. For the spouses, the reduction percentages for beginning benefits is:
50% when begun at age 67 (maximum benefit)
54.2% when begun at age 66
58.3% when begun at age 65
62.5% when begun at age 64, and
65% when begun at age 63
Full age retirement chart
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The earliest one can begin receiving benefits is at the age of 62 only.
Also, if one was born on the 1st of January, then the year to be considered is the previous year. If one were born on the 1st of any month, then then the previous month age is considered.
Also, if one delays retirement benefits and wait until after the FRA, then one may even be entitled for credits for delayed retirement. These will increase benefits per month. Also, one should sign up for Medicare at 65 years of age.
Tags: Retirement planningfull age retirement chart
Full Social Security Benefits Receipt Ages
Year of Birth
Full Retirement Age
1960 and after
67 years
1959
66 years, 10 months
1958
66 years, 8 months
1957
66 years, 6 months
1956
66 years, 4 months
1955
66 years, 2 months
1943–1954
66 years
1942
65 years, 10 months
1941
65 years, 8 months
1940
65 years, 6 months
1939
65 years, 4 months
1938
65 years, 2 months
1937 or before
65 years
Most of us live in the fear of our tablets falling or manhandled. Once the screen of your tablet is cracked, then the entire screen has to be replaced. Tablet cases go a long way in protecting your tablet.
If you travel a lot, your tablet will be exposed to various environments. Both rain and dust can affect the quality of your tablet and its screen. All of us have either had broken screens ourselves, or have friends who have damaged tablets. This can be a heart-breaking situation.
Replacing the battery or getting a new tablet is not a viable option for most, especially if you consider increasing prices. Safeguarding your current tablet is the smart way to go.
Here’s why you should get yourself a tablet case or at least consider getting one.
Kid Proof Protection
Most tablet cases will protect your device from the cutest attacks by your kids. Be it food spills or water attacks, your tablet case can protect your device from the unexpected. It is particularly handy when you aren’t there in person when the accident occurs. More and more kids are now using tablets for play. Your tablet will be protected from falls when your child runs around with it.
Enhanced Durability
Accidents happen. Sometimes it can be due to carelessness. Unfortunately, these momentary lapses in concentration can result in large damages to your tablet. Getting a tablet cover which is drop proof and shockproof will go a long way. The Defender Series Cases for the iPad Pro from Otterware can protect your tablet from most accidents. These cases are big and durable. They come with the latest Drop+ Protection.
Most tablet cases come with a three-layer protection that adds to the toughness of the tablet.
Screen Protection
Tablet cases don’t just offer protection for the tablet’s back. It also comes with screen protection. It protects the glass of your tablets from water spills, food spills and anything solid falling on top of it.
Most tablets are now built with the latest generation of Gorilla glass. Yet, as many a tablet owner will attest, even this superior hardware can be destroyed by a nasty fall.
The inbuilt clear membranes come with the screen protector. It prevents any form of scratches, scrapes, and scuffs occurring to the screen.
Additional Features
Pack your tablet in your luggage and rest assured that your device is protected from any form of shocks. Some tablet cases come with extra features for utilities. These include writing spaces and a carry case for holding a stylus.
Tablet cover cases have layers that absorb shock, protect your tablet from dust and offer overall 360 degrees protection. Getting a tablet case can be a lifesaver for you and your tablet.