Did you know that an Individual Retirement Account or IRA is one of the effective ways to strengthen your retirement strategy? It will help you save money for your retirement, and you also get offered various tax benefits. You may have to spend a little extra now, but it is worth it in the long run, making IRAs a popular choice for many. Read on about the five best IRA accounts in the country.
Fidelity Investments
Fidelity Investments Inc., generally referred to as Fidelity, is based out of Boston, Massachusetts. For its IRAs, the fees may vary per the type of investment vehicle selected. Stock, ETF, options trades, and a few mutual funds are available with zero commission fees. If you want personalized advice, Fidelity also provides you with the automated option, i.e., Fidelity Go. This account is free if you have a balance under $10,000, $3 a month would need to be paid for a balance between $10,000 and $49,999 and 0.35% for a balance over $50,000.
Charles Schwab
The Charles Schwab Corporation, founded in 1971, is one of the leading and acclaimed American Multinational Financial Services companies. For its IRAs, the fees may vary and depend on the selection of the investment vehicles. There are no account or trading fees, and its traditional IRAs are free to set up. If you are browsing for professionally managed or automated portfolios, Schwab Intelligent Portfolios or Schwab Intelligent Portfolio Premium comes in handy. However, you would need to pay $300 one-time and $30 monthly fees for the latter option.
Betterment
Betterment, established in 2008, is one of the renowned American Financial Advisory Companies that offers cash management and digital investment services. It offers taxable and tax-advantaged investment accounts such as traditional and Roth IRAs. The investment vehicle selection will have an impact on the fees. There are two plans offered by the Robo advisor – Digital and Premium. There is no need for a minimum amount for the Digital plan account, but 0.25% of the account fees must be paid. A $100,000 minimum balance and 0.45% of the annual fees are required for the Premium plan. This option is also beneficial as you would have unlimited access to Certified Financial Providers (CFPs).
E*Trade
E-Trade Financial Corporation, established in 1982, is Morgan Stanley’s Financial Services Subsidiary and is stylized as E*Trade. It provides you with an electronic trading platform for trading financial assets. Its traditional IRAs are featured by STFs, options trades, and commission-free stocks. Core Portfolios is the Robo-advisor offered by E*Trade, wherein there is a need for $500 to set up this account. You would also need to pay charges of 0.30% as the annual advisory fees for Core Portfolios.
Merrill Edge
Merrill Edge, founded on 21st June 2010, is a part of the Retail Banking Division of the Bank of America. Its traditional IRAs offer $0 commissions on ETFs, online stocks, and options trades. There is an availability of three platform choices for account holders – Merrill Guided Investing, Merrill Edge Self-Directed, and Merrill Guided Investing. The professionally managed portfolios are more expensive than the traditional IRAs, with a fee of 0.45% to 0.85 % for Guided Investing. Also, for the convenience of account holders, Merrill Edge offers 24/7 customer support and a live chat option.
IRA accounts are worth it but primarily depend on your long-term savings goals and expectations. This post has explored the five best IRA accounts in the country for your easy reference. However, weighing all the positive and negative aspects is suggested.
Technological and scientific advancements have led to some amazing gadgets and devices that are affordable and easily accessible to the common consumer. With the convenience of online shopping, this has become even easier for people to shop for innovative gadgets and devices online directly from the brand. Most brands first sell online and then venture into a full-fledged store based on the type of response they receive. There are tons of brands that make wearable technology devices for common consumers.
Here are some of the coolest wearable technology gadgets that you need to get yourself today with no second thoughts!
Go Glove
Go Glove is a pair of gloves designed for people on the go to use their phone directly from their glove using Bluetooth! You can access your music, apps, camera and so much more using these Bluetooth-controlled gloves. These are perfect for harsh winters where you don’t want to take your gloves off with the fear of freezing your fingers! The liner using in the creation of Go Glove is a high-quality material called Polartech. The best part about this wearable technology is that you can wear them under any woolen gloves during the ring, winters, and even during trekking! Another great point about these gloves is their battery life. The gloves can be worn every day for 6 months straight, after which you will need to remove the coin cell battery in the gloves.
Myovolt Pro Kit
The Myovolt Pro Kit is a type of wearable technology specially designed to soothe sore muscles and tissues. It’s a vibration device that isn’t too strong and slowly vibrates on your limbs to gently loosen up any stiff muscles. This is great for people who left weights and also for people who have a very active lifestyle. You can switch between 3 different levels of vibrations on the basis of the stiffness of your muscles. The battery provides 10 massages sessions of 10 minutes each with one battery charge. The battery can be easily using the USB port. You can easily purchase this in drugstores across the country or even online on e-commerce websites such as Amazon and Ebay.
Pococina Bluetooth Beanie Hat
Ever wanted to just enjoy your music without the hassle of wearing headphones when you are on a train or bus? With the Pococina Bluetooth Beanie Hat, you can do this! The Bluetooth in this hate easily connects to Bluetooth-enabled devices such as smartphones, tablets, and laptops. The beanie also comes with a built-in microphone, so you can also attend calls without lifting the phone to your ear! You can find your songs, control the volume all through this beanie hat! With a warranty period of 1 year, you can easily get this replaced in case of any issues and defects. The knit hate is also perfect for winters, which keeps your scalp area warm. With upto 6 hours of playtime and 2 hours of charging time via USB port, this is an amazing piece of wearable technology for music lovers!
FitBit Charge 2
This is a fitness wristband that monitors your heart rate, pulse, as well as measures your calories burned all day. You can pick from various heart rate zones such as Fat Burn, Cardio, and Peak to maximize your workouts. The best part about this version of the FitBit wrist bands is that you can see call alerts, text messages, as well as access your notifications on the OLED display. You can also track your sleeping patterns at night and have a silent vibrating alarm to wake you up once you have achieved the needed sleep duration. This is one of the first wearable technology fitness wristbands brand that led the way for tons of other such brands in the market. You can also connect to the GPS system and check out the total distance of your run as well as your pace.
Finding a good car on a budget is a mammoth task. If your budget is USD 30,000 or under, you have a number of top-class options that when it comes to style and comfort. Following is a list of the 10 best sedans that are available to you in such a budget.
Audi A3
The base model of the Audi A3 is priced at USD 30,000. This car has a 1.8-liter turbo four-cylinder engine that produces a strong 170 horsepower. The Audi A3 gives a mileage of 24 MPG in the city and 33 MPG on the highway, making it among the 10 best sedans available today.
Ford Focus
The Ford Focus is one of the best sedans sold in the country for less than USD 30,000. The base model of Focus is priced at USD 18,000. Its engine produces 123 horsepower and gives a mileage of 26 MPG in the city and 36 MPG on the highway.
Chevrolet Sonic
The Chevrolet Sonic has a starting price of USD 17,305. It is a compact sedan with a V4 rated engine that produces 138 horsepower and gives a mileage of 27 MPG in the city and 34 MPG on the highway.
Honda Accord
Honda’s Accord is one of the most established sedans, making it to the list of the 10 best available today. Its starting price is USD 23,040. It comes fitted with a V4 engine that produces a strong 184 horsepower and has a mileage of 18 MPG in the city and 28 MPG on the highways.
Scion FR-S
The Scion FR-S has a starting price of USD 26,100 and is one of the top class sedans in the market. The engine is one of the most powerful in the segment that produces 200 horsepower. The car has a mileage of 23 MPG in the city and 30 MPG on the highways.
Mazda 3
The Mazda 3 is in the list of 10 best sedans due to the high mileage it offers at an economical price. It has a starting price of USD 18,680. This car has a V4 rated engine that produces 155 horsepower. It gives a mileage of 29 MPG in the city and 41 MPG on the highway.
Honda Civic
The Honda Civic is an established name in the sedan market. It has a 2.0 liter V4 rated engine that produces 158 horsepower and produces an impressive mileage of 27 MPG in the city and 38 MPG on the highway.
Subaru WRX
The Subaru WRX is a sedan with the capabilities of a racing car. This car is priced at USD 27,390 and has an engine that produces 268 horsepower coupled with a six-speed manual transmission. The car manages to give 21 MPG in the city limits and 28 MPG on the highway. The WRX is easily a top choice among the 10 best sedans mentioned herein.
Ford Fusion
The base model of the Ford Fusion has a 175-horsepower engine, and this can be changed by going for a 240 horsepower engine. The car is priced at USD 23,475 and is the top choice of people who want a car that doesn’t only suit the racer but also the family man.
Mazda 6
The Mazda 6 is priced at USD 22,330, which is a fair price for a car that produces 184 horsepower and has four-wheel drive. This car is capable of giving a mileage of 28 MPG in the city and 40 MPG on the highways.
From the aforementioned list of the top 10 best and affordable luxury sedans, which one would like to do drive?
Play time is an important part of your child’s developmental and physical growth. And as a parent you should be proactively aware what kind of options they should be exposed to. So, to positively engage them in outdoor activities, you can add a playset in the backyard.
A play set can be a great way to get your kids to learn, enjoy and socialize. But before choosing a playset, there are certain factors that you should keep in mind, so that your children and their friends could make the most of their childhood adventures.
Here are a few features that you should look for while buying a playset for your child.
Safety
The first thing you do while purchasing a playset is to thoroughly assess the safety arrangements. This is because it’s very common for kids to get hurt while they are in a playground. Usually playsets comprise of wooden and plastic materials, which are better than a rugged material like metal. Also, remember that a playset requires a plain, leveled surface so that it doesn’t tumble or shake. So, if you are planning to get one, evaluate if your backyard is evenly flattened out or not.
If your children are too young then you should have a rubber matting or loose fills placed under the playset, to avoid any risky injuries. Check the playset for any ragged edges or hooks that can hurt.
Structure
As a parent, you know what kind of play combinations your kid will enjoy. There are a variety of blends in a playset. For instance, you can find a swing set, slides, tunnels, a fort, monkey bars, etc. in one playset. Which structure you choose also depends on the area of the backyard as well as your budget.
Quality
The playset you are buying should be sturdy and long-lasting. So, scrutinize its quality. Ask questions about its material and durability to the dealers. Also, read up reviews online about it, to gain more perspective.
Price and Size
The next most important stage is to figure out the size of the playset and whether it will fit in your backyard or not. You will find both small or big options according to your convenience. After you have shortlisted the alternatives, compare them in terms of cost and other additional utilities to finalize.
Installation
Setting up the playset by yourself can take a while. Check if the dealer is providing you with a professional installation service post purchase. Also, if a professional technician sets it up, you don’t have to worry about any ill fittings or mismanagement.