As part of the human nature, we strive hard to pay the minimum tax. Such is in the case of seniors and retirees, paying income tax can become a liability with specifically having a fixed income. However, the government offers benefits in the form of certain senior tax breaks for retirees. Getting the benefit of larger standard deduction As per the IRS protocol, you get an advantage of not paying as much taxes as the rule lets you take an extra deduction as when you turn 65 years. In the current scenario of 2020, an additional amount of $1650 can be added to the standard deduction. All this and more rules let you pay a very nominal tax on a smaller amount of income. This benefit is perfectly ideal for all those who wish to save more money and all who have paid off their mortgage. The benefit of high filling edge As you turn 65 years and older, you have an added edge to file a tax return and so you have a better chance to fill your wallet with extra cash. A good $13000 and above can be all yours with an added advantage of not including benefits in case there is a social security.

Right from the time your child steps into this new world of learning through formal education, saving funds becomes an integral part of everyday living. Yet, saving for college for students is another ballgame and comes with a hefty price in terms of crunching numbers, cutting down on certain expenditures, and planning within the budget. Herein, we discuss a few ideas when it comes to saving for college for students. Saving early Saving for college for students must start early as the amount can be quite a thing to ponder about with other priorities on the table such as paying off credit card bills, debts, planning for retirement, and miscellaneous investments. Accounts with tax benefits When you decide to save, it’s important to look for all possible investment schemes and methods and strive hard for the one that gives tax benefits or comes with a tax-free advantage. To start with, as a parent or a guardian, you must have a savings account that gets a decent amount of your paycheck in the funds. You can indeed look for banks that specifically offer savings account for students with no hassle of paying maintenance fees and relaxed balance requirements feature. Kinds of savings accounts Since these savings accounts are a great way of managing funds, you can keep adding extra allowance such as birthday money, bonus or gifts in the form of cash.

Pickup trucks occupy nearly 16.3% of all the vehicles driven in the country, which is a huge figure considering the size of the vehicle. Be it transporting goods from a farm or for carrying lumber, pickup trucks can do it all. These days, pickups are a lot more comfortable and the utility is better than any other vehicle in its category. They are known to give the comfort of a car and the functionality to carry almost every other thing that one wishes to. The increased popularity of pickup trucks has also given rise to the need for more green options. There is no doubt that the traditional pickup trucks pollute the environment more than other vehicles. Hence, listed below are some of the best green options for pickup trucks for an enthusiast. RAM 1500 Awarded the Top Green Car truck of 2019, RAM 1500 is the best of all green options for pickup trucks. This pickup truck is economical and a great fuel economy. Combining technology, luxury, and strength, this vehicle is a driver’s dream. The engine produces 395 horsepower 410 lb-ft of torque. It is made of 98% high strength steel and has a 14.9″ braking system. The truck offers 6 airbags and starts at around $33,000.

The common notion that exists in the status quo is that smartphones do not contribute to a person’s health and is, in fact, a primary cause for the degradation of one’s physical and mental health. Addiction to social media and usage of smartphones are associated with laziness, a strain of eyesight and degradation of mental health. However, these are some possible side effects that can be avoided by using smartphones sensibly. In fact, if used intelligently, smartphones can do the exact opposite of the common convention and supplement existing health care amenities and facilities very easily. Herein, we discuss how smartphones benefit health with the help of some amazing features. Applications on Fitness Most smartphones, if not all, have apps for fitness tracking. These apps are generally powered by motion sensors and track the steps taken by a person and the number of calories burnt. These can be calculated per week, per month and even a per-year basis. Some of these apps even give timely targets to achieve to increase the level of fitness. People who are looking to achieve an advanced level of fitness can use other apps at their disposal to learn from fitness experts and implement their advice from the comforts of their home.

Saturation of innovation and the globalization of the smartphone industry have leveled the playing field in the world of smartphones. Android phones are perhaps one of the widely used smartphones in the world, even more so than iPhones. And this is mainly due to their wide range of prices and options across brands. Listed below are the best Android smartphones that have been released by top brands. Samsung Galaxy S10+ The Galaxy S10+ boasts of strong battery life, specs that still feel modern, a fantastic display, a great Android update, and exceptional hardware. The phone boasts of a best-in-class display, a great battery life, a fun wide-angle camera, an SD card, and headphone jack slot, and software features galore, all for $1,000. While the in-fingerprint display is still a bit slow, this is easily the best overall Android phone for 2020.   Moto G7 Budget Android users can look to the nifty Moto G7, a class act in itself. At $299, a price just about anyone can afford, the baseline Moto G7 is an excellent value-for-money device hitting all basics – clean Motorola software which is easy to use, capable specs, a big display, and functional hardware. The best part?

Today, almost everyone takes a mortgage to buy a home. However, before doing so, you need to ask and understand all about the mortgage process. Many who go for a mortgage loan make some common mistakes that can cost them way more than anticipated. Buyers need to be aware of these mistakes while applying for a mortgage. Some of the common mistakes that people make are: Avoiding a local mortgage company A local mortgage lender can provide quality rather than one that is located elsewhere. Many make the mistake and avoid local companies. The real estate market is different in every area, and asking a real estate company from another area is never a smart idea. There are several ways to find a local mortgage company. Moreover, you can ask a real estate professional to recommend a company. A pre-qualified and pre-approved mortgage A mortgage has to be pre-qualified and pre-approved. Pre-qualification makes the mortgage as only good as the paper it is written on. The pre-qualification is done without any research and is based on the information given by the borrower. It is understood that the borrower will be 100% honest, which is not always the case when getting pre-qualification.

If you wish to improve your lawn, then the fall is the perfect season to do so. Warm days and cool nights give the perfect condition for your yard for a makeover. It’s important for one to be aware Here are some eco-friendly and green lawn care tips that will help to improve the soil and turf on your garden in a natural way. Mow You should not stop mowing the lawn even if the growth has slowed down. Keep the grass to a height of two or three inches. Grass which is very short becomes a victim of the cold winter, causing damage. The grass which is taller also will face damage from the snow which will cause it to bend or make it susceptible to fungus or snow mold. Rake You cannot stop the leaves from falling but you need to pick them or rake them. Leaving the leaves on the grass will cause bald spots in it by killing the grass. The leaves trap moisture and block the light, making them soggy and causing decay patches in the grass. You need to mow and rake the grass both are powerful tools. The mower cannot reach the area where the leaves pile up.

Going on a cruise is like choosing a package deal, which is inclusive of food, lodging, and entertainment, but it is a vacation at sea. It sometimes gives more value than having a land getaway. You can choose a cruise line depending on your travel budget, itinerary, health ratings, reputation among travelers and experts. Herein, we discuss the top cruise liners to choose from for your next vacation. Royal Caribbean Cruises Royal Caribbean has over 20 cruise ships and is the largest cruise line in the world today. It carries over thousands of guests, which helps to keep the price low. Those who love traveling on a cruise will find many itineraries to choose from Alaskan, European and Caribbean destinations for less than $200 per person. Celebrity Cruises Celebrity Cruises have 10 ships and offer city experience in large ships. They maintain the service like smaller lines. They have affordable rates for $130 per person for the Caribbean voyages, making this liner a top choice for cruise vacations. Norwegian Cruise Line They are a force to reckon with in the field of cruise lines. They also offer affordable itineraries and have upgraded fleet of ships. They have also done away with the rules like dress code and assigned dining times.

Ensuring the safety of the tires of your car goes a long way in not just protecting the car against wear and tear and engine failure but also in protecting your life. Before embarking on a road trip, especially, check your tires for wear and tear, bumps, cracks or any other damages. Make sure the tread depth and inflation pressure is as per the recommended measure. If necessary, replace the tires. In fact, make it a point to change all four tires, as well as the spare one, every 10,000 miles, no matter how good the tires look. Tires are basically meant to support the weight of the vehicle, to allow the car to exert acceleration and braking forces on the ground, to change direction or to maintain a particular direction, and to absorb shock from the surface of the road. Based on this, you can choose tires for your vehicle depending on the area you live in and the weather you are most likely to face. Herein, we provide the essentials one must keep in mind when it comes to making a car tire safety checklist for all weather conditions. Winter Tires These tires are manufactured purely to handle winter roads covered with slush, snow or ice.

Buying a printer isn’t an easy task. With so many tons of options in the market today, choosing the best all-in-one printer essentially means that one has to understand exactly what they want from the printer they are going to buy. Most folks opt for printers with great productivity. All-in-one printers are great options since they aren’t just productive, but also include everything from the ability to fax, copy, scan, and print, support for Bluetooth, Wi-Fi, and what-not, and so much more. What’s more, usually they don’t cost a bomb as well. So, here the top options to consider before buying printers. HP OfficeJet 5255 At a price less than $100, this HP printer is a godsend. One of the best products from the able stable of HP, this HP printer features wireless printing via Wi-Fi and Bluetooth. Since it’s an all-in-one device, users can fax, copy, scan, and print from it with absolute ease. With a touchscreen available, the device is easy to use and control. What’s more, the printer claims to deliver two-sided printing as well as 35 pages in auto-document feeding, making it one nifty device. This HP printer is also compatible with the HP Smart app for wireless printing and can assist users in quickly printing documents from their smartphones or tablets.