6 common annuity mistakes and how to avoid them

6 common annuity mistakes and how to avoid them
An annuity is an insurance contract issued and distributed by financial institutions. Their objective is to pay out these invested funds to the investor in the form of a fixed income stream in the future. The investor can buy these annuities with a monthly premium or through a lump sum amount. This type of investment is usually done to get income in retirement years. However, here are some common mistakes people make with annuities. Not shopping around One of the biggest problems with purchasing annuities is that not enough people shop around before they commit to buying from one place. Annuities are known to be profitable for brokers because the commission can be as high as 10 percent in some cases, which means that the investor is paying a lot more than what they need to pay. However, there are many annuity shopping services through which one can invest directly, with no broker. Also, variable annuities are available through particular companies. So, one must explore the available options before making a decision. Choosing the wrong annuity There are four basic types of annuities: Fixed dollar amount – This gives an investor a fixed return on the investment, which is pre-decided and agreed upon.

6 common carpet cleaning mistakes to avoid

6 common carpet cleaning mistakes to avoid
Carpets and rugs not only provide thermal insulation and warmth to a space, but they also elevate a room’s aesthetic appeal. They are among the most used home furnishings, especially in colder places, and when maintained well, they last longer and retain their texture. Since carpets are quite textured and heavy, one may find it difficult to clean them and end up making certain mistakes. These are mentioned below and should be avoided: 1. Scrubbing to remove stains Carpet stains are icky and sticky and quite an eye-sore, especially if they are very visible. So naturally, people use quite a bit of elbow grease and a heavy-duty brush to scrub off fresh stains and get rid of them quickly. While this may work the first few times, this method stops being effective after a while and damages carpets. Carpet fibers, like most kinds of fabric, cannot resist sustained, prolonged abrasions through scrubbing, squeezing, and aggressive rubbing. In fact, scrubbing stains is not even an effective tactic, as it just causes the stain and liquid to permeate further into the carpet fabric layer. 2. Using a low-quality vacuum cleaner Vacuuming is an effective way to clean carpets, as it is one of the easiest ways to do the task.

7 mistakes to avoid when buying a dream home

7 mistakes to avoid when buying a dream home
Buying a dream home can be as tiring as it can be exciting. Since a house is one of the most significant investments to make, one must tread carefully before putting a substantial chunk of their earnings into the purchase. Before finalizing the purchase, many factors need to be considered to ensure a good decision. Likewise, one must avoid inevitable mistakes that could cost them dearly. These are mentioned below. 1. Not considering the neighborhood One of the most important factors to consider when buying a home is the locality and neighborhood of the chosen house. Even if the house is designed precisely as one wants it to be, the pros and cons of the neighborhood must be considered. Since one would be spending substantial years of life in the house, one must select a locality where one likes living and feels safe and comfortable. To ensure that, do basic research about the locality online and visit there in person. A few aspects that one can look for in a neighborhood include good schools in the area, an easy commute to and from work, and low crime rates. 2. Being compulsive Finding a good house, much less a dream house, can be challenging on one’s budget.

5 early Cyber Monday deals to expect in 2022

5 early Cyber Monday deals to expect in 2022
We are slowly heading toward Cyber Monday, the most exciting time of the year when you get the deepest discounts on almost all brands. It is a mega shopping event that follows Black Friday. But, with so many sales being advertised, how do you choose the right deals? Here is a quick review of the top offers we saw last year; expect to see similar or better ones at the start of the 2022 sale! Tech and electronics deals We all wait for the Cyber Monday sale to purchase that expensive gadget we have eyed all through the year. Apple is known to issue gift cards on select items during the shopping season when you buy products like MacBooks, AirPods, and Apple TVs. You can use these cards for future purchases and save money. Last year, Soul Electronics offered up to 30% off on select audio gear, with sales running till December. PhoneSoap offered up to 50% off sitewide on select products. Besides massive discounts on gadgets and accessories, these retailers throw in tons of warranties, free services, and other offers, making it the best time to visit for a tech upgrade. Home appliances deals Whether you want to redesign your home or buy a gift for someone special, Cyber Monday is the perfect time to pick up home appliances.

10 hacks to have the best Cyber Monday

10 hacks to have the best Cyber Monday
It’s no coincidence that Cyber Monday follows Black Friday, its more established in-store equivalent. And a bonus? The parallel shopping holidays go perfectly where millions of bargain-hungry holiday shoppers swarm retail websites. On the Monday following Thanksgiving every year, shoppers take advantage of the limited-time incredible offers and discounts without batting an eyelid. So, here are a few hacks that will help you make the most of this shopping day with full enthusiasm! Follow your favorite brand on social media Following their Twitter and Instagram accounts allows you to keep up with upcoming sales that various brands may offer for Cyber Monday. Twitter is the best source for information about deals and limited-time offers on products or product categories. For highly targeted, presumably relevant offers, Facebook is preferable, whereas Instagram and Pinterest are excellent for visual buyers. Shop in private mode Use your browser’s private or incognito mode to conduct your actual shopping while remaining somewhat anonymous. Although it is not the ideal method, doing this can make you eligible for discounts that aren’t available to someone with your browsing or shopping history. Set alarms Few instances require being proactive since Cyber Monday frequently begins at erratic early hours. However, the truth is that many people wake up at these times, whether early or late.

5 categories that had great Black Friday deals last year

5 categories that had great Black Friday deals last year
Black Friday and its whooping discounts are the best things to look forward to every shopping season. There are umpteen Black Friday deals offered by top brands and shopping websites. With so many great options, it’s easy to feel overwhelmed about what and where to shop. Here are five categories in which the best early bird black Friday deals were offered last year so you can know what to expect this time. Fashion Fashion is one of the top categories to roll out huge discounts during the Black Friday sale. Almost all the major retailers and brands offer amazing deals on men’s and women’s clothing; in fact, even high-end designers have neat discounts on couture wear. So, this means that the gorgeous dress or those knock-out boots that you were eyeing are just a step away from being a part of your closet. Here are some of the best deals that were available from the top fashion brands in the country: Mango: Trust Mango to rev up things when it comes to Black Friday deals. You could avail yourself of anything between 30-50 percent discounts on selected lines of clothing. Whistles: The premium clothing brand offered a flat 25 percent off on everything in their store.

Our
Blog.

Top 7 beauty and fashion trends

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time.
Read More
Top 5 human foods that are also safe for dogs

Top 5 human foods that are also safe for dogs

If you own a pet, you know that every time you eat, your dog sits right next to you in hopes that you’ll share your food. Human food can be safe for dogs if it doesn’t contain toxins. Every pet owner must know which food is and isn’t suitable for your furry friend. This way, you can feed your dog the right foods. Here are some foods you can share with your dogs without hesitation: Fish Just like omega-3 fatty acids benefits humans, it can also help dogs fight inflammation. Fish is also an alternative source of protein for dogs that may be allergic to red meat. Ensure that you cook it well without too much oil and seasoning. Raw fish may contain salmonella and listeria, causing infection for the dog and your family. Clean and pick the bones well before serving them. Fish bones are risky for dogs, as they can lodge in their mouth, throat, and intestines or perforate their organ walls. Choose fish that have lower mercury levels. Ideal fish for dogs include tuna, whitefish, cod, and whiting. Meat Meat is a natural dog-friendly food, as they are carnivores. If you are preparing the meat at home, choose lean ground beef, chuck steak, chicken, turkey, or roast.
Read More