Checking accounts are simple, easy to operate, and convenient to manage. They work on an apparently basic principle: the customer deposits money into the account. And when they want to spend it, they can write a check, withdraw cash from an ATM, transfer funds, make online payments, etc. You may have maintained a checking account for years, or you may be someone who’s just opening one. Either way, it’s wise to keep yourself aware of the features, facilities, and pros and cons so that you stay ahead of the curve and protect your own interests and your hard-earned money. Get advice from experts and use these tips for optimizing a checking account to your advantage. Banks don’t always give you the entire information. Unless you specifically ask, they may not volunteer certain facts that could benefit the customer. Present the Right Documents Although most banks give you clear and complete information on the documents necessary to open a checking account, some of them may not. And this may lead to a rejection of your request. Your Account Can be Frozen This usually happens if your account has shown a negative balance over an extended period of time, or it has been inactive.

There are two types of bank accounts that students can open: one is a checking account and the other a savings account. In this article, we look at the benefits of savings accounts for students and the benefits of checking accounts. This will help in deciding which account to open. What is a Checking Bank Account? Before understanding the benefits of savings accounts for students and checking accounts, we need to understand what these accounts are. A checking account is used for carrying out transactions; it is an account where you deposit some money and transact on it. You can use this account unlimited times for carrying out all kinds of transactions. The transactions include withdrawing money from your account through check or at an ATM. It also includes using electronic transfers of money through Internet banking. While other types of bank accounts, like savings accounts, restricts the number of transactions you can carry out, there are no restrictions on using a checking bank account. What is a Savings Bank Account? This is an account opened at a bank to encourage people to save money. The money you deposit in this account will earn interest. The interest is paid as interest rates that are decided from time to time.

When you are considering borrowing from 401(k) you must know the 401(k) loan basics first. Its biggest benefit is also interestingly its most significant drawback. The very fact that you can borrow funds from your retirement savings to tide over a financial crisis can actually land you in worse financial trouble at a later date if you fail to repay the loan amount. So, it is a double-edged sword and without knowing the 401(k) loan basics, advantages, and drawbacks, one should not make this decision. Not all 401(k) plan providers will allow you to take out a chunk of your own savings; at the same time, there are many plan providers out there who allow this to happen. What are the Advantages of Borrowing from Your 401(k) Plan? If you go through 401(k) loan basics, you will see that requesting the loan is rather easy and you can get the funds faster. There is no checking of credit history or a lengthy application process. Although plan providers are permitted by regulations to offer such loans, they can limit the amount or repayment terms as they deem fit. Most loan requests can be processed only with a few clicks and you receive a check in a matter of days in complete privacy.

Smartphones and high-tech apps are changing the face of healthcare and diagnosis in the modern world. The expansion of smartphone technology on patients’ and physicians’ fingertips is creating a strong connection for a seamless patient and doctor engagement. From booking appointments to timely medication to personalized diet plans, smartphones are making burgeoning waves in the medical industry. Exclusive medical apps enable the organized storage of information and medical history. It’s time to declare the physical copies of prescriptions and medical records a passé. Providing an organized record of medical history and timely diagnosis is how smartphones benefit health in the contemporary world. Check out the following ways your smartphone can benefit your health: A Medical ID Medical ID on the latest smartphones can convert the handset into a medical alert bracelet. The medical ID feature on your smartphone enables doctors to activate the emergency button on your phone even when it’s locked. This way, doctors can access your medical conditions, allergies, your blood type, your contacts, and other critical information. It gives your doctor diagnose and administer a potentially life-threatening situation effortlessly. Fitness Tracking This is a highly common way of how smartphones benefit health in the fast-paced world. Nearly all smartphones are equipped with motion sensors to measure your steps, including your walking, stairs climbed, and distance traveled.

When building a home gym, people usually refer to the heavy immovable set up that requires a dedicated room or garage. This sounds like a huge investment when you might not use the entire gym that you have built unless bodybuilding is your goal. To maintain or build a healthy body, the options are few; however, they are inexpensive, ergonomic and worth every penny you pay.  Mentioned below are four top equipment options for a home gym from the best brand names to help you stay fit or even build a good muscle mass and gain a good shape. Iron Age Doorway Pull-up Bar The most essential exercise that gives your upper body, back, arms and shoulders the perfect workout is the chin-up or pull up. The Iron Age Doorway pull-up bar or chin-up bar can be used at the doorway, does not need drilling or assembly and is also foldable and ergonomic. The Iron Age Doorway pull-up bar has been versatile and can be used to perform a fuller push up. It allows you to get the extra depth when placed on the floor. Also, a dip can be performed to improve your tricep. This is rated as the best pull-up bar available as it has extra grips and the equipment fixes itself properly to the doorway among many others which fail.

It is estimated that 3.5 billion people or 45% of the world’s population owns smartphones. People expect the best from their smartphones. If you are looking to buy any of the top-brand smartphones, make sure it has all the features listed herein. Security Top brand smartphones offer the best security features, and this is what you need to look for. Most people use their mobile phones even for computing. They have sensitive data stored on it. You need to ensure your phone has top-notch security. Fingerprint scanners are one of the best security options. Today’s mobiles have sensors on the display for you to scan your fingerprint and unlock your phone. Cameras There is no denying that camera sales have come down thanks to the growth of mobile camera phones. People look for dual cameras on their mobile phones. The top brands offer high-resolution cameras in the phones with 48MP cameras becoming popular. Selfie cameras are another popular feature in most phones. The craze for selfies has created a demand for pop-up selfie cameras in smartphones. Battery Life On average, people pick up their mobile phones 58 times a day and spend 3 hours 15 minutes per day. No wonder, battery life is an important feature people look for in their smartphones.

Many homeowners have begun switching from conventional to smart appliances, and the smart fridge is one such shining example. To answer the various commonly asked questions about smart appliances, such as “why upgrade to a smart fridge?” we’ve provided all the information you need. What’s Special about a Smart Fridge? A smart fridge is a refrigerator that is connected to the Internet. It can be controlled online through your smartphone. Smart fridges can be connected to other devices in your home to create a smart home. A smart fridge has innovative features that make it very useful. You can use the smart fridge to watch TV in the kitchen while you work. You can listen to music and even interact with your fridge with voice commands. Your smart fridge can read out recipes as you cook. You can leave messages for family members and create a to-do list easily. The smart fridge helps you save a lot of power by controlling the temperature automatically. It can even shut the door for you if left open. There are many other such features making a smart fridge special. Can Someone Hack into My Smart Fridge? One of the biggest concerns about smart fridges is that it is connected to the internet.

Furnishing your home or office is the most critical aspect and often the most time-consuming one. While there are a host of options to either buy or rent furniture, the need for either one depends on several factors. While buying furniture works better in the long run, you may need to consider renting furniture for temporary needs or uncertain circumstances. To combat this situation, a deep look into the pros and cons of buying vs. renting furniture is highly recommended. Matching these aspects with your taste and requirements helps you make a sound decision. Disadvantages of Renting Over Buying Furniture Additional Costs and Damage Expenses Firstly, you need to pay a security deposit to cover the damage, in case it happens. Moreover, if proper care is not given, you may lose the deposit amount. This is one of the burdens of renting furniture. Expenses related to wear & tear, spills, burns and other damages will cost you. Irrespective of the damage, you have to bear the entire expenditure that is costly in the long run. Penalty for Paying Late Whether it’s monthly or quarterly payments, it’s important to make payments on time. The prime factor of the pros and cons of buying vs.

When you don’t have much information about popular financial instruments like a mortgage, they can cost you dearly when the need for one arises. There are some crucial steps to take before you can apply for a mortgage. These steps also include avoiding the common mistakes made when getting a mortgage. Empowering yourself with the required knowledge about mortgages gives you a deep peek into the possibilities available. Making efforts to save your time, money, and saves you from inviting unwarranted headaches now and in the future. Herein, we point out the various mistakes borrowers make while applying for a mortgage loan. Poor Understanding of Costs You have to make a down payment and pay other closing fees needed for loan closing. The lender gives a Good Faith Estimate to enable you to make the closing payments. The lender should educate you with all that is required for payment and make expectations clear. The GFE should be studied thoroughly to ensure that you understand every single aspect of the mortgage loan. Application fees, credit report fees, and other fees are payable in certain circumstances. These vary from lender to lender. Sometimes, the fees are included in the mortgage amount, subject to certain terms and requirements.

When Disney first came out with the news that it will soon start a streaming service, many heads turned. The primary reason was that Disney has been a front runner in making animated movies and cartoons for decades and they have the largest reservoir of original content in the world. Listed below is a list of must-see animated movies that you can watch on Disney+ right now. Snow White and the Seven Dwarfs (1937) Originally a German fairy tale by the Brothers Grimm, Snow White and the Seven Dwarfs developed into a timeless animated film by Walt Disney still and stands as one of the best animated movies ever. Deemed as a “culturally, historically, and aesthetically significant” film by the Library of Congress in 1989, the film has made a prominent place in theme parks, Halloween parties, and cultural events. The film was made during the early days of animation where each frame was drawn out by hand. Pinocchio (1940) Originally an Italian children’s novel by Carlo Collodi, it was the second animated film by Walt Disney. With more experience from the previous animated feature film, Snow White and the Seven Dwarfs, Pinocchio was an achievement in the fields of effects, movements, and elements such as lightning, smoke, shadows, and rain.