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Top 4 advantages of having a membership

Top 4 advantages of having a membership
Many businesses these days operate on a membership model that creates a win-win scenario for them and the customer. The company that offers a membership plan gains by attracting new clients who use their services for the long term. They also earn a few extra bucks through membership fees. As for the members, they enjoy several exclusive services, special deals and discounts, and attractive perks that other customers cannot access. Access to exclusive services One can enjoy exclusive services by signing up for a membership. For example, content streaming services offer their members the opportunity to view blockbuster movies and TV series, immerse themselves in interesting podcasts, listen to songs, or get a sneak peek into exclusive Behind-The-Scenes (BTS) footage of megaevents, all from the comfort of their homes or on their smartphones. People outside the membership circle cannot access this content. Exclusive access makes everyone want to become a member just to experience the benefits on offer. Besides streaming services, movie theaters and other media businesses offer viewership subscriptions to their members to spoil them with great content as soon as it is released. Discounts and savings Most businesses offer member-only deals. For instance, they roll out discounts or special price cuts on their products and services, which only subscribers can enjoy.

Pros and cons of automated investing

Pros and cons of automated investing
Automated investing services, or Robo advisors, have become ubiquitous in the present times. Many financial service companies now have their own automated investing services. There’s no doubt that the introduction of Robo advisors has made investing an accessible financial option to many. However, automated investing has some disadvantages as well. So, before you decide to opt for the best automated investing service, have a look at its pros and cons. Pros of using Robo advisors Low fee Low management fees are one of the biggest advantages of opting for a Robo advisor. Big names in the finance industry such as Charles Schwab Corp.’s Intelligent Portfolios offer Robo advisors for free, while some financial institutes such as Betterment and Wealthfront charge a low 0.25% as a management fee. High-quality investment portfolios Algorithms used in some of the best automated investing services such as the ones provided by Betterment are backed by Nobel prize-winning investment models. These models are created to offer the greatest return on investment for the smallest risks. Access to a financial advisor Many traditional financial services companies now use Robo advisors to select assets for their client’s investment portfolios. This allows them to offer their clients financial advisers that can help them with taxes, loans, and any kind of financing or investment.

10 things not to do at a funeral

10 things not to do at a funeral
Due to the grief, pain, and loss that surrounds the death of a loved one, the incident and the proceedings after are rarely spoken about. However, this lack of knowledge could lead to people engaging in rude behavior, especially during funerals and memorial ceremonies. This could lead to a fair amount of hurt, upset, and embarrassment. To help avoid this situation, here are 10 things to not do at a funeral: Laugh out of turn There’s no telling what one may find funny, even in serious situations such as funerals or memorial services. However, laughing is generally considered rude in these instances, save during some speeches or eulogies. If one finds something humorous during a ceremony, stepping out to compose oneself may be a good idea. Arrive late It is always advisable to show up 15 minutes before the scheduled start time. This leaves space for one to be seated comfortably before the family starts walking down the aisle. If one shows up late, it is better to make a discreet entrance and sit on one of the side pews. Take pictures without permission Taking any pictures of the memorial service without the express permission of the family may be seen as a sign of great disrespect.

6 FAQs about Medicare coverage

6 FAQs about Medicare coverage
Medicare is a government-run national health insurance program that helps ease the financial burden of those aged 65 and older. If one chooses Medicare, the government partially pays off their healthcare bills if it meets the policy conditions. However, the plans can have some gaps in coverage, making it crucial for recipients to understand exactly what the program covers. Let’s take a look at the frequently asked questions regarding Medicare coverage: What are the types of Medicare coverage? Original Medicare is primarily of two types: Part A and Part B, covering hospital insurance and inpatient-outpatient services. Additionally, people can choose the optional Advantage Plan or Medicare private health plan. It is commonly known as Part C, and it offers alternate ways of receiving original Medicare benefits with different restrictions and costs. For additional coverage, one can opt for Plan D or Medigap. What is no longer covered by Medicare? Medicare Part A and B provide coverage for a variety of hospital and outpatient expenses but do not typically pay for the following four services: Dental services like teeth cleaning or filling Hearing aid Contact lenses, routine vision check-ups, or eye treatments Overseas care after six hours of traveling abroad One can get additional private health insurance with a customized plan and monthly premium to cover the costs not covered by Medicare.

3 best monthly fashion-box subscriptions for men

3 best monthly fashion-box subscriptions for men
Do you need an effortless way to shop for the latest fashion and apparel? Your prayers have been answered with monthly fashion boxes for men and women that are delivered home. A seasoned stylist can curate a box of clothing and apparel to fill your wardrobe based on a simple questionnaire. The subscription service is also an affordable way to pay for fashion that you like to explore. You can create a custom wardrobe in a few simple steps with these three top services. Stich fix Stitch fix is a unique no-subscription service that curates monthly fashion boxes for men and women. The process begins with an elaborate questionnaire to help the expert understand your clothing and styling needs. Based on the answers given, stylists at the company will curate the best design, fit, and apparel preference for your wardrobe. Customization is one of the critical features of this service so expect a personal style experience with every order. Stylists handpick the best choices for a service fee of just $20, and you can try out all options before making a purchase. Stitch fix features order on-demand as well, so you don’t have to wait around for scheduled box deliveries necessarily.

4 popular senior cell phone plan providers

4 popular senior cell phone plan providers
Choosing a cell phone plan today is nothing short of a hassle, with dozens of providers offering services on 4G and 5G enabled networks. Our advice is to always choose a no-contract service that can be easily canceled at any time. This step is especially suitable for seniors who are on the lookout for basic and affordable services. Here are four popular network providers that offer reasonable prepaid cell phone plans for seniors. Lively (formerly Jitterbug) If mobile data and hotspot sharing is not a priority, seniors can certainly opt for Lively Direct cell phone plans starting at around $20/month. These plans are suitable for seniors who already own the Jitterbug Flip2 and Jitterbug Smart3 cellphones. Note that data is not included in the plan, and all plans can be topped up with the Health & Safety package add-ons that offer exclusive medical alert services. Charges for the emergency assistance start at around $20/month and are still quite the bargain to ensure timely help. TracFone TracFone remains to be one of the preferred options for those who prefer a minimal cellular service. Their no contract limited talk and text prepaid plans for seniors start at around $15/month. Users even earn reward points that can be redeemed for additional minutes, text, and even data services with the provider.

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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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