Has your bed become old? Is your mattress not as comfortable as before? Are you not getting enough sleep or rest? Then it’s time to give cheap memory foam mattresses their due consideration. Armed with an innovative material and technology, these mattresses are good for your body, can keep many common health issues at bay, and are long-lasting too.
What are they exactly?
When you go to your favorite cocktail bar or restaurant regularly, you need not state your order every day. This is because the bartender or the waiter knows what you like. This is because of the memory he or she has. This is also the case with your hair stylist. Now consider if this was also possible with your bed. Memory foam mattresses, like the mattress Sealy, memorize the temperature and softness which provide you the best sleep after an exhausting day. Then they adjust themselves as per your requirements and go back into shape once you leave the bed.
How have these helped people over the years?
A simple answer to this question is that they have satisfied most of the customers. This mattress was first developed for the NASA space programs and now they play an important role in everyone’s bedroom. These mattresses adjust to your requirements, which are subjective in nature. Even though everyone owns a bed today, hardly anyone gets good sleep. This is because of the daily anxieties we face in our workplace or academic world. This has led to tiredness and in many cases insomnia. But cheap memory foam mattresses provide you with the exact temperature which you need to relax your strained muscles and nerves. If you have a child, he or she will love the unique comfort of these mattresses too.
Are they affordable?
Surprisingly, despite their many advantages, these mattresses are quite cheap. There is a small dollar difference between normal mattresses and memory foam mattresses. Cheap memory foam mattresses are available at attractive rates under many company names, but the most famous ones are from Sealy. They are manufactured by special designers, who keep in mind the average US citizen’s budget constraint.
Are their variations available?
Today, normal mattresses are not only the ones which are available in different sizes and colors. Memory foam mattresses too offer multiple options to suit everyone’s style needs. Now there is no need to think about whether the mattresses will go with the theme of your entire room or not.
What do researchers say?
According to scientists who have carried out tests on these mattresses, memory foam mattresses respond to the heat from a person’s body and take a shape which completely supports their back and relieves their painful pressure points. But they also say that it is not recommended for very young children as these beds trap carbon dioxide and may increase the chances of SIDS.
Released in August 2017, the Samsung Galaxy Note 8 is one of the well-received phablets (phone + tablet) in the market. Loaded with some of the best features from Samsung, this device is priced at around $930. The price may vary a little depending on the carrier you have chosen. Although the price is on the higher side, the Samsung Galaxy Note 8 is completely worth it. Here’s we will tell you why you should buy the new Samsung Galaxy Note 8:
A retirement plan is an arrangement of financing an individual’s income post his retirement. These plans can be set by the employers, insurance companies, trade unions, government, or any other organization. Tax benefits are provided on investments made on some retirement plans based on provisions of the Internal Revenue Code (IRC) and regulated by the labor department under the ERISA Act. The retirement plans can be classified as defined benefit plans and defined contribution plans based on the types of payment, investment, and benefits payout method preferred.
What is a defined contribution plan?
An individual chooses the type of investment towards which a portion of the earnings are allocated toward retirement. One might choose either a mutual fund, stocks, or other securities. IRA, 401(k), profit sharing plans, etc. are some examples of a defined contribution plan. These are eligible for tax benefits provided they are not withdrawn before the age of 59.5 or a penalty will be levied on early withdrawal.
What is an IRA?
An Individual Retirement Account (IRA) is a retirement plan that allows the employees to have control over their savings for retirement within an account that will be eligible for tax benefits. IRAs are classified into various types.
Types of IRAs:
Traditional IRAs: The contributions may be tax deductible and the earnings are allowed to grow on tax-deferral. This allows the individual to defer paying taxes until retirement. This gives flexibility to withdraw at a lower tax bracket, depending on the income and the tax rates that apply. These plans are subjected to rules on distribution, investment, and contribution.
Advantage: The tax on the earnings can be deferred until the individual chooses to withdraw.
Disadvantage: There are mandatory withdrawals set for 70.5 years of age.
Roth IRAs: It is a savings account to which individuals can make contributions after the tax on income is paid. Distributions from this IRA may be tax-free if some criteria are met. It supplements an individuals’ retirement plan well. It accumulates earnings on a tax-deferred basis and can be made tax free if certain requirements are met.
Advantage: Contributions are discretionary, and hence the individuals can choose to fund the Roth IRAs whenever they want.
Disadvantage: The contributions are not eligible for tax-deductions and only the qualified distributions are tax free.
SEP IRAs: SEP stands for Simplified Employee Pension which is a plan established by the employer where contributions are made on behalf of individual employees. Here, the tax benefits are on the contributions made by the employer and then may be given to individuals on a discretion.
Advantage: Employee doesn’t have to pay any tax on the contributions.
Disadvantage: Any earnings or distributions made on this plan are taxable to an employee and also requires for a traditional IRA to be set-up individually which is then linked to this plan making the entire process very cumbersome.
Simple IRAs: This is a salary reduction plan which is established by the employer or self-employed persons. Here, the employees contribute a part of their pretax income/salary to this plan which defers the tax on the money until it is distributed.
Advantage: Starting and maintaining of a simple IRA is less expensive as the funding is shared between the employer and the employee.
Disadvantage: Contributions are not taxed but the distributions are taxable.
The best place to find a suitable replacement for your old mattress is the B and M retail. B and M Mattress offers you the best quality innerspring mattress, both in a single bed and double bed sizes. Their mattresses provide adequate comfort and support to your body.
A good mattress ensures that you make optimal use of the hours you spend in bed. If you suffer from back pain, it becomes all the more essential to find a mattress, which helps you in managing the problem. However, there are so many brands vying for your attention that it is easy to get confused by the choices.
The first step to a better buying decision is, obviously, to know what features you are looking for. There is no comprehensive guide or medical journal that can tell you what kind of mattress would be perfect for you, although there are broad guidelines that you can adhere to:
Trust your experience: Mattress is a product that all of us have used. We already have a list of things we like in our existing mattress and the pesky issues we could do without along with a list of desirable features. Make good use of this list and see if you find something that covers all bases.
Consult your doctor: If you have a specific medical condition, it is best to talk to your doctor or physical therapist about the issue. They can give plenty of tips on the type of sleeping surface that may be suitable for your condition. You can match and compare this with options available in the market and take a decision.
Test drive: There are no rules, which say you can test drive a car, but you cannot test drive a mattress. If you have taken the trouble to travel to a physical store, you might as well use the opportunity to get a feel of the real thing. Take your time to test the mattress, check for firmness and support.
Mattress firmness: A firm mattress is not always the best choice. In fact, the degree of firmness that is ideal for you depends on the condition of your back and also the position in which you usually sleep.
Soft mattresses, which mold to your body shape, are best for side sleepers.
If you change your position during the night and roll from the side onto your back, then medium soft would be more suitable. This will mold to your shape when you lie on the side while supporting your back when you roll over.
For those who sleep on their back, medium firm mattress offers the best support.
If you are in the habit of sleeping on your stomach, go for a firm mattress, which does not sink in during your sleep.
Warranty: All good brands offer a minimum of a 10-year full replacement warranty.
Any B and M mattress conforms to BS7177 UK fire regulations, is manufactured in the UK and provides an adequate warranty on its products.