5 things to know before buying a mattress

5 things to know before buying a mattress

Given the sheer number of choices available for the best brands and their products, even choosing a mattress can become an overwhelming task. You can sort the best products out of hundreds of options by making a list of key features. Asking questions like how comfortable the product is to use, whether it is constructed with premium materials, and how much it costs will help narrow down the choices quickly. Here is a list of features that you must consider before buying.

Comfort
If you are willing to pay top dollar for just a mattress, it should offer premium comfort. Your head, neck, and spine should be in a comfortable position for a good night’s rest. Understand that natural alignment is the only way to avoid pain and discomfort the following day. Another thing to consider is breathability and cooling. The bed should be able to circulate air well and offer cooling to some extent. Nolah Original 10 and The DreamCloud mattresses rank among the best brands for natural cooling.

Weight transfer and support
It is just not possible to sleep in the same position throughout the night. Mattresses must be able to carry bodyweight transfers without compromising on comfort and cooling. If you are sharing the bed with your partner, weight transfer also ensures minimum movement on the other side so nobody wakes up. Multiple layers also provide additional edge support so that you don’t accidentally roll off the corners in the middle of the night. Hybrid mattresses are made with multiple layers and feature different materials that offer this comfort. Tempur-Pedic Adapt, Leesa Hybrid, and Helix Midnight are among the best brands for hybrid options.

Durability
Given the price tag, these products must also be durable. While you can invest in a cheaper mattress and use it till it lasts, a one-time premium investment makes more sense. There are a few budget options among premium brands that offer highly durable products. Allswell Luxe Hybrid, Casper Element, and Zinus Cooling Gel Memory Foam are among the top picks across popular brands designed for side and back sleepers. Avocado Green Mattress is one of the better choices when it comes to overall comfort. Tuft & Needle Mint mattress is a better pick for foam base.

Safety
Check to see if the brand gives all details about the materials used to construct the mattress. This is because some people may be allergic to the materials used. A detailed product page will ensure customers remain vigilant with their purchases and make an informed decision. Safety is also one of the more critical parameters for choosing a bed for toddlers and young children. Birch Natural is one of the top branded organic mattresses to buy in the market.

Affordability
In the end, the decision always comes down to the price of the product. The budget will change depending on the mattress type to ensure the product is worth paying top dollar.

SDH’s Legna sheets are some of the finest threads you can dress your mattress in. With the feel of silk and the ease of cotton, Legna sheets are sure to stay in place without feeling too stiff for comfort. You can even try the luxury of sleeping on bamboo sheets that will last years without signs of wear and tear. 

Choosing the right mattress is not enough. A quality blanket is also essential to enjoy a cozy night’s sleep with just the right amount of warmth and comfort. You can find blankets in various materials online, such as polyester, cotton, fleece, microfiber, microfiber blend, satin, wool, and sherpa.

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A handy guide to buying the right laptop

Laptops are powerful portable tech that is versatile, compact, and fast, making them the preferred choice. However, the best laptop for you is the one that complies with your needs. Now, there is a plethora of laptops in the market. This makes choosing the right device a daunting task. To help you, here is a guide to help you buy a laptop as per your needs and the best ones available in the market. Plan your budget Thanks to tough competition between laptop brands, you can buy a laptop for as low as $200. But if you can increase your budget, you can buy a quality laptop with better performance and features. Laptops like HP Stream and Dell Inspiron 11 3000 are the least expensive, costing about $150-$200. Laptops costing $900 and above have faster processors, cutting-edge graphics, and powerful resolutions. Moreover, they are lighter, making them efficiently portable. Pick your operating system Do you want a Windows or a macOS? There is no wrong answer, as the choice of the operating system solely depends on your preference. If you are confused, here’s a brief summary of each. Windows 10, Microsoft’s latest operating system, is the most flexible. Moreover, laptops with Windows OS are generally inexpensive and offer features like touch screens and dual graphic chips. On the other hand, macOS Big Sur is Apple’s latest desktop operating system and is expensive. If you are a tech wizard and know your way around an OS, you can also choose operating systems like Chrome OS and Linux. Specifications As per your needs and budget, opt for the most powerful processor, as processors influence the performance and speed of the laptop. Most laptops have an Intel® processor, although some laptops even come with an AMD processor. Inexpensive laptops offer Intel® Atom®, Intel® Celeron®, and Intel® Pentium® CPUs that are good for light document editing and browsing. However, if multitasking and speed are important to you, then opt for an Intel® Core™ i3, or better yet, an i5 or i7. Next, you should check the RAM size. Most offer only 4GB RAM space. However, experts recommend that you opt for a minimum of 8GB RAM. Furthermore, get a laptop with a solid-state drive (SSD) since these are three times faster than a hard drive. Consider buying a laptop with a minimum of 9-plus hours battery life with a 12.5- to 14-inch screen size. Top 5 laptops of 2021 To further help you, here are the five best laptops of 2021: Equipped with an 8th Gen Intel® Core™ processor and 16 GB RAM, the Google Pixelbook Go is the perfect choice if you’re looking for a fast and efficient laptop. Along with a great processor and impeccable response rate, this laptop boasts of a touchscreen display that can play 4K videos. If you’re looking to upgrade your laptop, checkout Google’s laptops on sale and save big this shopping season. The Dell XPS 13 offers excellent performance, 3.5K OLED touchscreen, i3-i7 processor, option to choose an 8GB or 16GB RAM, SSD storage, powerful display, and a sleek design. The Apple MacBook Air with the latest M1 chip provides an outstanding 14-plus hours of battery life and lightning-fast processing speed. Next is the Microsoft Surface Laptop 4 that is powered by the Intel® Core™ i5/i7. It comes with features like touchscreen, top-notch graphics, and up to 1TB SSD storage. Finally, don’t forget to check out the latest IdeaPad Slim 7 by electronic giant Lenovo. The recently-released laptop comes with a 15.6” display, 11th Gen Intel® Core™ processor, 512 GB SSD storage, Dolby Atmos® Speaker System, and a whole lot more. If you find this laptop a bit pricey, don’t worry. There are several fantastic deals on Lenovo laptops right now, and you can grab this one at a lower price from the company’s website.

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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. Oversized statement hats and stylish boots go well with sheath and full-length maxi dresses. Platform boots and sandals are ideal for winters, while platform loafers and lace-up boots work well for summers. Cardigans Cardigans can never go out of style. Major brands in the fashion and apparel industry have seen the rise of the cardigan trend time and again, especially during the transitioning months between winter and summer. Cardigans are single-layered, lightweight, cozy overlays that are comfortable compared to sweater vests. They are perfect for a lazy day of lounging in the house. Popular styles include the V-neck, rib knit, draped open front, self-tie shawl, cropped, puff-sleeved, and crew neck cardigans. Denims Denim wear is a suitable fashion choice all year round. Different styles of jeans, especially mom jeans and loose straight leg jeans, have gained more popularity among the latest fashion trends of 2021. Jeans go well with all types of fashionable tops ranging from slim fit tees to cropped sweaters and elegant formal blouses.  Puffer coats Designed to provide much-needed comfort and warmth, puffer coats are stylish and best suited for harsh winter months. Moreover, these coats feature bold patterns in bright colors over the puffed-up pocket designs and are available in different shapes. Many puffer coat designs are now available in two-tone colors, and some even feature animal prints. Even hooded puffer coats are making a bold comeback in solid colors. As the temperatures continue to drop, quilted cotton down puffer coats are the optimal choice to bear the harsh winters in style.

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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.
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Handy tips for retirement-focused investments

Handy tips for retirement-focused investments

With pension plans becoming more and more obsolete, retirement-focused investments have come to the fore in the past few years. Besides helping you fund your future, these valuable assets also provide incredible gains, and in some cases, constant income till the end of life. Since investing for retirement—and planning it—can prove to be challenging, we have put together a list of tips that may be helpful in the process. Assess your options Multiple investment vehicles are ideal for long-term gains and can return a sizable amount by the time you retire. Mutual funds, stocks, bonds, exchange-traded funds, cash investments, annuities, and dividend reinvestment plans (DRIPs) are also good sources of high returns, although they depend on investor characteristics and risk aptitude. Saving money in certain tax-advantaged accounts such as 401(k), individual retirement accounts (IRA), and brokerage accounts is also an option. Start early and young No one is ever too young to invest. It’s a healthy habit that can earn serious money in the long term, with even the smallest of investments capable of making a difference a few years down the line. Starting early gives your money time to grow and lets you accumulate more compound interest over a period of time.
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4 popular credit cards for college students

4 popular credit cards for college students

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.
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If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.
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Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.
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How to qualify for a reverse mortgage

How to qualify for a reverse mortgage

A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.
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