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6 benefits of cruise insurance

6 benefits of cruise insurance
Traveling on a cruise is an exciting experience to try at least once in a lifetime. A cruise offers a range of amenities for adults and children, including live music, concerts, water activities, and delicious meals. However, embarking on a cruise means that one will be away from home for at least a day or two, if not longer. Having cruise insurance can help address various situations that may arise while on board the ship. Last-minute cancellation refunds One might have to cancel a cruise trip at the last minute for various reasons, including a family or health emergency. However, cruises have terms and conditions that may prevent the issuance of a refund. If one is faced with this situation, one might lose all the money spent on the cruise package. However, having a cruise insurance plan could offer complete reimbursement or credits. Coverage for missed cruises Sometimes, one might need to fly to a city to board a cruise. If the flight gets canceled due to extreme weather conditions, there is a high chance one may miss their cruise and not get a refund in the process. In such situations, signing up for travel insurance can help reimburse an individual for eligible meals, hotel stays, and lost prepaid expenses if a trip delay is experienced.

7 healthy human food options for dogs

7 healthy human food options for dogs
For most dog owners, ensuring their furry friends eat healthy foods is important. While commercial dog foods provide adequate nutrition that a pet needs, adding some human foods into their meal plan will offer them many health benefits. Certain human foods can provide essential vitamins, antioxidants, and minerals that support the overall well-being of one’s pet. However, it is important to note that not all human foods are safe for dogs. Peanut butter Most dogs love licking on peanut butter treats. Peanut butter is rich in healthy fats and vitamins and has a healthy dose of protein. However, ensure it is always used in moderation since peanut butter is high in calories. Pick unsalted peanut butter to treat the dog as both salt and sweeteners, even artificial ones, can be harmful to them. Blueberries Blueberries are a rich source of antioxidants and essential nutrients. They carry most of the necessary vitamins, minerals, and phytochemicals. They are also low in calories and can be added as a snack or a treat. Blueberries can also be an easy option for training treats. Other berries that are healthy for dogs include raspberries, strawberries, and blackberries. However, it is important that they eat these in moderation.

5 common mistakes to avoid when opting for a 401(k) plan

5 common mistakes to avoid when opting for a 401(k) plan
“A penny saved is a penny earned” is an age-old but evergreen proverb. While many schemes help people save, the 401(k) plan is a popular one. Provided by one’s employer, this savings plan helps people set aside a specific sum every month , which they can use after retirement. The amount is deducted automatically from the employee’s paycheck and deposited into a special account. While the 401(k) has many benefits, users should avoid certain mistakes. Not knowing the different types of 401(k) accounts Under this scheme, there are two types of accounts: traditional and Roth 401(k). In the traditional plan, while the amount entering one’s savings account isn’t taxed, the amount withdrawn after retirement is taxable. In contrast, Roth 401(k) users incur taxes from their incomes but not during withdrawals. Each plan has pros and cons, which account holders should know to avoid confusion. Withdrawing early from the 401(k) With 401(k) accounts, being a little patient is always good. If one withdraws before turning 59.5, they face a 10% penalty over and above the income tax on the distribution. Even if a plan does not involve such a penalty ( which is uncommon), one might miss out on any additional returns that can be earned from the investments.

6 advantages of home appliance warranty plans

6 advantages of home appliance warranty plans
Home appliance warranty plans are typically annual plans that offer coverage for replacing and repairing some of the major appliances and systems in the house. For this, a homeowner has to pay an annual fee that usually starts from a few hundred dollars and may go to over $1000, depending on the plan. The cost also includes the service charge of the professional technician visiting the house to evaluate the appliance’s repair and maintenance. Benefits of home appliance warranty plans Get financial protection The cost of repairing or replacing home appliances can turn out to be quite high. Besides, an unexpected breakdown of a system of appliances at home can disrupt one’s budget. A home appliance warranty plan works well in such situations. It offers the necessary financial protection by covering most of the cost of repairs and replacements for covered systems and appliances. So, instead of paying hefty replacement or repair bills or needing to purchase a new appliance, a homeowner can be assured that the warranty plan will cover all the expenses. Save more money with flat-rate fixes New homeowners usually depend on a home inspection team to determine the condition of kitchen appliances, water heaters, washers and dryers, and so on.

Buying physical gold and silver – Where and how

Buying physical gold and silver – Where and how
Physical forms of gold and silver are among the most traditional types of investment, making these a popular choice for many investors. These precious metals are a stellar investment option for a diverse investment portfolio as they retain their value even when the stock market plummets. But, with so many options to choose from, it can be quite challenging to decide where and how to buy physical gold and silver. Where can one buy physical gold and silver from? Online marketplaces and brick-and-mortar sellers such as jewelry stores or coin shops are the most common places to buy physical gold and silver. Wearable wealt h— r ings , earrings, necklaces, and bracelet s— c ontinues to be one of the most popular forms of buying physical gold or silver. But , due to the high mark-up as a result of craftsmanship and retailer costs, jewelry is not the best type of investment in precious metals. To reduce these costs and make sound investments, many people today purchase gold or silver bullion (bars or coins) , which may sometimes have designs or depictions on them. Buying gold and silver online v.s. in store When it comes down to the basics, the experience of buying gold and silver online or in stores is quite the same.

6 common mistakes to avoid while buying pet insurance

6 common mistakes to avoid while buying pet insurance
A pet’s overall well-being is every pet parent’s ultimate desire and objective. However, life is unpredictable, and despite one’s best efforts, a pet may require healthcare assistance for health conditions, accidents, and injuries. Pet insurance helps pet owners alleviate the financial repercussions of such untoward events through financial compensation. It is advisable to opt for pet insurance from a reputed insurance company. Here are some common mistakes to avoid while securing pet insurance: Assuming that all healthcare services are covered A common mistake by pet parents is to assume that an insurance policy covers all healthcare services and requirements. For example, some insurance policies may not cover pet pregnancy-related complications, while some may exclude dental checkups and procedures. Thus, it is important for pet parents to browse the list of healthcare services a pet insurance policy includes under its hood and zero in on a policy based on this factor. Only considering the premium Although paying a high premium may burn a hole in one’s pocket, insurance policies with low premiums may sometimes not cover all the essential healthcare expenses. In such cases, one may end up spending a much higher amount at the veterinary hospital in case of a health emergency that the policy does not cover.

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4 key things to consider when choosing a new garden fence

Having a fence around one’s property can serve multiple purposes, such as providing privacy, safety, and keeping away animals or keeping pets inside. Choosing the right fence that is compatible with the house can be a challenging task. Therefore, it is important to take some time to consider the various options available on the market before installing a fence. Moreover, there are several important factors to take into account when selecting a new garden fence. Legal responsibility and planning permission This is one of the most crucial aspects that must be considered before deciding on anything else regarding fence installation. If this issue is not sorted out initially, one may end up spending a lot of money and time in the building and installing the fence, only to cancel everything later on.  Therefore, it is important to understand who would be responsible for replacing or repairing a fence if it is a shared entity between two neighbors. This can be found out through property deeds that provide details regarding which boundaries are the legal responsibility of which neighbor. In addition, it is a good idea to have a discussion with one’s neighbors before starting the work. Also, one needs to figure out whether planning permission is required for the new fence. Privacy and security For homeowners who live in urban or suburban areas, security and privacy are two of the key things they need to consider before building a new fence. If one’s home is on a quiet street with fewer people passing through, an open and breezy fence panel like arched top pailing fence panels may work well. But for those living across busy roads or a locality that has a lot of people and traffic moving around, higher fencing styles such as traditional Close Board Fencing Panels or Waney fence panels should be considered.

10 Designer Perfume Deals to Expect for Black Friday 2023

The much-anticipated Black Friday sale is only two months away, so one can start preparing their shopping list. Besides clothing, appliances, furniture, and other essentials, people with a fondness for alluring fragrances can buy perfumes during this time. Labels like Chanel, Armani, and Bond No. 9 are known to have fantastic offers. Based on last year’s trends and current prices, we’ve listed ten Black Friday designer perfume deals one can expect in 2023. Floral fragrances 1. The Dioriviera by Dior embodies a fresh and fruity fragrance. It’s designed to convey modern and romantic impressions inspired by a rose garden. It also emanates a slight warmness of a pleasant, sunny day. Since the Dioriviera launched earlier this year, it’s hard to say how much it will be discounted for Black Friday. However, last year’s trends indicate premium Dior perfumes like these will likely sell for at least 10% less. Both men and women can use it. 2. Jimmy Choo’s Blossom Eau de Parfum spray was marked down by 50% last sale season. It usually costs $60, but one could pick it up for just $30 at Macy’s. This spray c ombines juicy berries, fragrant florals, and creamy sandalwood, creating a sweet, lively party scent perfect for the holiday season. It comes in a striking fuchsia bottle with a dimpled pattern and diamond-shaped lid. 3. The Armani My Way Eau de Parfum combines floral and woody notes. One of the key ingredients, orange blossom, is extracted from hand-picked bitter orange fruits. This perfume currently costs $155 on the brand’s website. However, for Black Friday last year, sites like Beauty BFF let customers save 30% on Armani perfumes with a coupon code. One can hope such offers repeat in 2023. Fragrances for women 4. The Chanel N°5  Eau De Parfum spray has been around since 1921.

4 benefits of wearing a body shaper

Body shapers or shapewear are undergarments that create a smooth foundation beneath clothes by providing a firm, thin layer of compression. They are often worn to create a smooth silhouette across the bust, hips, waist, and thighs. Shapewear is available in a wide range of shapes, styles, patterns, colors, and types, including body briefs, control camisoles, long-leg shapers, corsets, waist cinchers, and so on. The right shapewear can offer the following benefits: Smoother silhouette Whether one is planning an outfit for a casual day out, party, or a formal event, wearing a body shaper underneath can help elevate the look. The right shapewear can smoothen the seams and hide clothing wrinkles so that the outfit looks well-fitted and sharp. It will give a smoother appearance along with a toned silhouette. Further, aging is a natural process that causes muscles to lose their elasticity and suppleness, making the skin prone to sagging. Here, shapewear can help firm up the appearance of loose skin. Improved posture A full-body shaper that covers the complete torso compresses the body and offers a snug fit. This helps in keeping the back straight and maintaining a good posture. The long-term effect of maintaining a good posture while wearing compression shapewear is that one gets used to naturally sitting, standing, or walking with their back straight, even when not wearing shapewear. This may help in alleviating back and shoulder pain while improving the posture. Helps with sweating Thermal body shapers are special types of shapewear designed to stimulate sweating. These are usually available in the form of vests, pants, shorts, and bodysuits. Most of them tend to focus on the midsection. So, those who do not sweat enough while working out can opt for these body shapers that increase the natural body heat and perspiration around the waist and midsection.

Top 10 Tablet Deals to Explore on Black Friday 2023

Black Friday, one of the most anticipated retail holidays of the year, is right around the corner. This year, it falls on November 24. With early-bird sales and holiday season excitement comes the need for preparation. With each Black Friday bringing with it discounts on everything, from kitchen appliances to phones and tablets, one can add all kinds of electronics to their shopping list. So, here are some tablets worth considering on Black Friday 2023: Slate tablets The slate or standalone tablet is the most traditional variant while also being the most popular option. Here, the gadget comes with a big touchscreen, ranging from 5 inches to 13 inches. While these are usually regular-sized tabs, one may also be able to find mini tablets. 1. On Black Friday, shoppers can expect amazing deals on slate tablets, but one must keep in mind that the prices can differ depending on screen size, features, and other specifications. An already affordable tablet, the Lenovo Tab M8, sold for just $79 at Walmart last Black Friday.  2. Last year, shoppers got a $230 discount on the Samsung Galaxy 14.6-inch tab at Best Buy. This deal is worth following up on this Black Friday. 3. Those looking for affordable Samsung tablets can consider the Samsung Galaxy Tab A8. This gadget carried a $60 discount last Black Friday, selling for just $139. With a 10.5-inch display and 32GB of memory, the tablet can be a great Android option for students. 4. Additionally, Lenovo’s 10.6-inch slate tablet model has previously carried a post-discount price of $139 on the brand’s official website during the shopping season sale. With 4GB RAM and 128GB storage, this tablet is great for students and professionals, making it worth considering this shopping season. 5. The Lenovo Yoga tablets have previously sold for $319.99 during the holiday season.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.
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10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!
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