Credit cards are a blessing during an emergency. However, if you use it carelessly, it can get you into deep trouble. If your credit card dues accumulate, it will take umpteen years and huge sacrifices to clear it off. So, if you are one of those people who uses their credit cards excessively, make sure you do not fall into a deep financial pit. Given below are some useful guidelines to help you steer clear off credit card debts. Never miss your payments One of the best means to make sure your credit card debt does not go out of control is to ensure that your payments are made on time every month. If you miss a single payment, the next payment along with a late fee could put a big strain on your budget. Never lend your credit card This should go without a saying; never lend your credit card to a friend. Although he or she may promise to repay the amount, you are the sole person responsible for the charges applied. In case they are unable to make the payment on time, you will have to repay it with interest. Keep the minimum number of credit cards It is always wise to keep a tab on the number of credit cards you own.

Borrowing from 401(k) and Its Pros and Cons While taking a loan from your 401(k) plan you need to be an employee, but not all companies allow loans. So, before you rely on this, check if your plan permits you to do so. You can find this on the plan documents or you can talk to your HR or plan representative. If you are eligible, you need to make an informed decision before you apply for a loan. Let’s take a look at some pros and cons of borrowing from 401(k). Pros No loan application is required You don’t need to have a credit score The repayment is automatically deducted from your paycheck from one to five years Cons There is double taxation on the interest component. The interest is repaid to your 401(k) plan after-tax money. If you do not take a loan, you earn tax-deferred interest. Also, you can only be taxed when you withdraw. By borrowing, you have to earn the money and pay taxes on it to put the money back into the plan. Once it is withdrawn, it will be taxed again. This defeats the purpose of a tax-deferred account. If you have left the job, you need to repay the loan or any outstanding balance, which can be treated as taxable payment unless repaid entirely within a certain time limit.

Disney+ is now online and has a full lineup of must-see movies like Fantasia , Swiss Family Robinson , Three Musketeers, Three Men and a Baby, Star Wars: The Force Awakens, and Frozen and popular TV shows like the X-Men animated series, Recess , and Lizzie McGuire . They also have a collection of originals, which everyone is talking about. The best new upcoming shows streaming on Disney+ include Falcon and The Winter Soldier and WandaVision. Besides the originals there are shows which include X-Men , Boy Meets World , and Gargoyles . The shows can be stopped midway and you can continue to watch them with the resume button. Disney+ has broken down the launch titles into seven different sections, which include National Geographic, Marvel, Star Wars, Pixar, Disney Channel Originals, Disney Animation, and Disney Films. Upcoming Shows The must-see movies and TV shows also include animated shows and live-action. The new originals like Falcon and The Winter Soldier , Lizzie McGuire , the Toy Story collection, and Loki . The second seasons of High School Musical and The Mandalorian have become the talk of the town. Streaming Apps and Devices Disney+ is not found on many streaming devices but it is almost everywhere like Fire tablets, Fire TV, Roku, PS4, Microsoft Xbox One, Chromecast, Android TV, Android phones, Apple TV, iPod touch, iPads, iPhones and Vizio sets.

Businesses of today are burdened with numerous obligations. These include the regular re-stocking of inventory, paying employees with their salaries, keeping up with a regular cash-flow for day to day activities and maintaining a fund in case of contingencies that are beyond the control of the establishment. Such circumstances beg the need for a certain degree of liquidity in the assets of a company. But there are often signs that may indicate that the company has more liquid assets than it may actually require. This would ideally provide that the company has some assets that could be invested rather than being held onto. Herein, discuss we different types of liquid assets and their importance in an establishment. Liquid Assets of Businesses Most different types of liquid assets are common between individuals and businesses, like cash in hand, cash balance in banks, stocks and bonds. The Approach of Various Entities Now, companies in general like to pay attention to their net liquid assets. Net liquid assets are the value of liquid assets the company would be left with after it pays off its current debts. Furthermore, they allot time frames to gauge the financial position of their company. One such way of doing this is analyzing quick assets.

There are dozens of identical TV models present in the market like TCL, Vizio, LG, Samsung, and other manufacturers. There are top brands for 4K televisions, which provide products at a reasonable cost. They have something for everyone’s demand including features, budget, needs and prices. There are top brands that sell 4K televisions with massive discounts on different prices and sizes, and these TVs are powered by streaming services like Roku and Fire TV. After you get a new TV, do invest in a streaming stick and a good soundbar. Also, check out the buying guides; usually a 55” TV does well for a living room. Here are some of the most budget-friendly 4k televisions from top brands. TCL 6-Series Favorite among all is TCL 6-series is a beautiful 4K TV model which is a mix of technology like quantum dots or the bright colors and dimming for deep black and Roku for an interface. It is priced competitively while a Samsung and LG will cost double. It has vivid colors and a high dynamic range. LG OLED TV OLED TVs are better as it lights up pixel by pixel. LG is the only company that manufactures them. This TV does not have a backlight.

It is said that clothes do not make a woman like, her thoughts do. But unlike such sayings, women have proven that clothes always result in an amazing and confident personality, mindsets, and habits. While it may seem daunting to have a wardrobe with variety, it is an essential part of a woman’s life. A heterogeneous mix of characters that you would like to play in your daily life needs a strong support of the wardrobe. Let’s have a look at the essentials for top dress types for women. Tops The most overwhelming piece of clothing is the top. Casual, formal, and business tops all look much categorized but still need a good amount of thinking and science to carry them. So, here are two tops that you can categorize pretty much with every piece of lower that you would like to team them up with. Flowing Tops A flowing top with a fitted elastic band to ideally goes with denim for those extra-casual or informal moments. Boxy Tops complete your summery look with these loose tops while spending an evening with friends. Cami tops can complete your college look or just throw over a blazer for a perfect formal and business wear, teams well either way.

Gone are the days where buyers had to put all the money at one go and buy a car. With leasing becoming more common and comfortable most of them have an option to give a sticker amount the beginning and pay the remaining amount as installments. Leasing also takes the depreciation into consideration along with the interest and the fee. Leasing also has some advantages over financing a car. Let us take a look at some pros and cons of financing vs. leasing a vehicle. Reduced Monthly Payments When compared to buying the car, when leased the lessee only has to pay the difference between the cap price of the car and the depreciated value after the tenure making the monthly payments lesser than the ones involved in financing a car in installments. However, it isn’t wise to judge the installments without taking into consideration the monthly budget. Leasing a car helps in going for a better car with better options when put against buying a car. This is one of the most crucial points to consider when noting the pros and cons of financing vs. leasing a vehicle. Latest Technology For a car to have the latest features like driver assistance and cruise control, one needs to own the latest cars for reaping the maximum benefits.

There are many SUVs and crossovers available in the market. When you buy a car, you have a few priorities in mind and one of them is safety features present in the car or SUV. The few SUVs mentioned below have the best safety features according to the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS) who have their own criteria of tests. The test results do not carry over to the next year and are not comparable too. The tests are evaluated on the scale of good, acceptable, marginal and poor. The IIHS test gives Top Safety Pick + designations to the test scores. Here are the top SUVs with best safety features and ratings Mazda CX-3 The Mazda CX-3 gives a sporty performance and is a safe subcompact crossover with great interiors, efficient powertrain, and great handling. It was awarded a five star for an overall rating in crashworthiness. It passed six crash tests and got a top score in all of them, making the CX-3 an SUV with some of the best safety features. The standard safety features it contains are basic and contains rear cross-traffic alert, blind-spot monitoring, automatic emergency braking at low speed, rearview camera.

Hybrid and electric cars are common in the country, and a few brands take the top spot and include more than a dozen models with new 2020 variants. These include some of the biggest brands like Audi, BMW, and Tesla. Many who produce fuel guzzlers are today producing green cars, which run on clean fuel, are roomy, stylish, and are function driven. In this article, we take a look at the top electric and hybrid cars of 2020. Top Electric Cars of 2020 Audi E-Tron Audi E-Tron was the first ever purpose built battery electric road car. It is finally open to booking. This car has a 95-kilowatt hour battery and a range of 204 miles. However, it does not come cheap, as you will get a lot of quality for the money paid. BMW i3 BMW i3 is an odd-looking car and expensive but no other car offers what it does. The offers include a carbon-fiber chassis, which looks good on spec sheets; it helps to reduce the weight, and increases the stiffness. It has a short range and is a city car, which goes to a distance of 153 miles. You can spend time in it and it’s easy to park.

In the auto world, if there is a piece of kit that has been always overlooked, it is a car cover. Most of them feel car covers are used for protecting the paint job and the windshield from not freezing in the winter. However, a good car cover can help the car be safe from many threats like rust, UV rays, corrosion and so on. Herein, we provide some tips before buying a car cover and the best brands to choose from. Tips Before Buying a Car Cover Taking into consideration all these benefits the market also has a bunch of car covers for the drivers to select from. With so many options present at affordable rates, selecting the right one is a huge dilemma. These tips will help you make the right choice before buying a car cover. Choose the Right Brand Buying a car which has a decent name for selling quality products minimizes the risk when it comes to the quality. Check the Fitting The buyer has to decide whether the car cover should fit snug or loose. The universal ones are loose and are cheaper Know the Type You Need Car covers are made to suit outdoor parking or indoor parking.