To have money for a rainy day   and avoid spending it on unnecessary things, you should consider putting it into a savings accounts. These accounts can help you to grow your money and keep it safe for when you do need it. Listed below are a few of the pros and cons of savings accounts. Pros Here are the three biggest benefits: Earns Interest The biggest advantage of having a savings account is that your money will grow or earn interest over time. These accounts are good for saving that little extra you might have at the end of each month for that trip you always wanted to take or just for a rainy day. Interest rates vary among banks so you can choose the bank that offers the best interest rates and terms to suit your needs. Easy to Open A savings account is so easy to open that all you need is the bank application form, an ID proof, an address proof and any other documents as required by your bank. The amount required to open the account can range from $1 to $25 depending on the bank you choose. Easy to Operate You can also easily deposit and withdraw money from these types of accounts easily through a bank branch when compared to other long term investments.

You must be looking forward to relaxing and unwinding after a tiring day in your newly installed hot tub. However, before you step into your hot tube here are some safety tips when using a hot tub that you should keep in mind. Keep an Eye on the Kids You should never let small children use the hot tub without adult supervision. This is one of the most vital safety tips when using a hot tub. You must make using the hot tub a family experience or ensure you join them in the tub. When not in use, it’s important ensure that the tub is securely and firmly covered. Reduce the Heat Even though soaking in warm or hot water may sound relaxing, remaining in water that is more than 102°F for a long time can raise your body temperature to dangerous levels. Hence, you should spend about 15 minutes in the hot tub if you wish to relax in the warm water longer then make sure the water is not too hot. Consult your Doctor People with health conditions such as heart disease, high blood pressure, and diabetes should check with their doctor whether it is safe for them to use a hot tub.

If you’re a senior and are living on a fixed income, tax season may be a very hard time for you. Paying taxes is a necessary part of the world, however, it can cause a lot of frustration and concern for those living month to month or on a fixed income. It can often be difficult to find the money to pay your taxes at the end of the year, however there are many things you can do to help reduce the amount of money you owe. Here are some of the top ways to help you save money on your taxes: 1. Give money to family When completing a senior’s tax return it is essential that you remember to ask them if they have given any money to members of their family. People are allowed to give ten thousand dollars each year to the members of their family. Even if a senior does not give this much, they are still allowed to deduct this amount from their income, which will reduce the amount that they owe in taxes. Most seniors give money for holidays and birthdays so remember to take this into consideration come tax time. If you don’t have a family to give money to, consider giving a yearly contribution to a charity organization.

Halloween is just around the corner, and that means ghosts and ghouls will take to the neighborhood in search of sweet trick-or-treats. However, before you choose a costume and dive into your Halloween candy, there are a few tips to keep in mind to ensure you and your loved ones have a fun and sweet holiday: 1. Don’t eat candy before checking it Before you and your family devour the candies you’ve collected, don’t forget to double check what you’re eating. Look for wrappers that have been partially opened, or items past their due date. If anything looks suspicious, or like it has been tampered with, throw it away. 2. Avoid dark costumes to stay visible at night On Halloween, your neighborhood will be busier, with kids frequently crossing the street. If possible, avoid wearing dark clothing so that moving cars are able to easily see you. This is even more important in dimly lit neighborhoods. If you or someone else does wear a dark costume, carry a flashlight to stay visible. You also might consider making your costume a glow-in-the-dark outfit for a fun way to add visibility. 3. Avoid masks or wigs that restrict breathing or visibility Know that certain Halloween costumes and costume accessories could impact your vision and breathing.

We all want to look and feel our best each and every day. One of the best ways to do this is to use fashion, jewelry and makeup trends to make a great impression. When you look your best, you can ultimately feel confidence and put your best foot forward. Whether you’re a budding fashionista or simply looking to add a few statement pieces to your wardrobe, here’s how you can use the hottest fashion trends to make any outfit pop: 1. White boots are all the rage Many people still live by the phrase “no white shoes after labor day,” but this should no longer be the case. White boots are all the rage today, even in the colder months. Try using white boots to make your outfit stand out and get some attention and compliments thrown your way. You can use knee high white boots to really stand out or opt for a more modest low cut white boot. 2. Add a splash of bold color with tights or shoes While many people like to dress in black because of the many advantages this color offers, we should all try to add a splash of color to our look.