How to get a rewarding 5% interest savings account
How to get a rewarding 5% interest savings account

5% interest rate sounds like a distant dream for many consumers. But it is in fact a very real possibility. There are certain financial institutions that offer 5% interest on savings account.
One of the best ways to get a high yielding interest rate is through opting for a savings account that is linked with a prepaid card. The prepaid card is just a pre-requisite to get the high-yielding savings account. Initially the minimum deposit for such attached savings account was $5000, but since July 2016 certain institutions have lowered the value to $1000.

Here are some of the popular companies that have a genuine 5% interest savings account with a prepaid card.
Brinks
Netspend
Western Union
Ace Elite
Control

Other than these Momentum, Vision, Purpose, Insight, Mango, etc. offer 5% interest rate on savings account. All of these mentioned cards can vary with respect to terms and conditions.
When you sign up for the 5% interest savings account you will receive a prepaid card. The prepaid card is imperative as it lets you move to the next step, i.e. completing the process for the savings account. In this particular program, apart from your basic details like name, address, date of birth, social security number, etc. there is no credit pull. So, no need to fret as the company won’t scrutinize your credit history.

Although you can get multiple 5% savings accounts, you should fulfill one process at a time. This is because many cards might have a different name but they might be monitored by the same company.

After your 5% interest savings account gets initiated, you won’t be able to use it instantly. You’ll have to pay a premium fee so that you can access it. This fee is usually up to $500, and are mostly required to be paid through direct deposits. Post activation when you start transferring the savings funds you will notice that they will first have to flow into the prepaid card. It is only then your money is eligible to be moved to the 5% interest savings account.

You are allowed to withdraw money from this account, but like the funds deposit process even here you’ll first have to transfer the money back to the prepaid card. Then you can transfer this money to your regular bank account for withdrawal purposes.

Since the deposit and the withdrawal procedure is a little extended, a 5% interest savings account can be a great idea to save up some finances for short term purposes. Depending on your company choice you might have an inactivity penalty. So, make sure that you use your account regularly.

  • Prevalence of sleep disorders in the US

    Sleep disorder is an alteration in the normal sleep pattern of a human being. There are many factors and conditions affecting the sleep disorder and it can vary from parasomnia, sleepwalking, sleep apnea, delayed sleep phase disorder, narcolepsy, insomnia, excessive morning sleepiness, a sudden shift in sleep cycles, bipolar disorder, snoring, sleep paralysis, and so on.

    In the United States, it has been reported that around 50–70 million people suffer from sleep disorders that have affected their daily routine, health, and longevity. It is said that 1 in every 50 Americans dies of sleep disorder with deteriorating health, accumulating long time effects of deprived sleep timings, hypertension, diabetes, obesity, depression, cardiac arrests, stroke, etc. Despite the increasing medicinal opportunities in the field of science, research claims that the general public is not much aware of the sleep medicines available.

    The National Institute of Health (NIH), private centers, and other professional’s groups for health centers have to ensure their commitment to the people by giving them full awareness to sleeping disorders by educating and training them. Finally, the Research and Development clinical team should recreate certain sleep programs in academic institutions.

    There is a 6-times increase in sleep disorders among US veterans. Most of them even were suffering from post-traumatic stress disorder (PTSD), results proving that doubled by the end of 2016.

    The general public does not realize that this ailment can affect you mentally and physically causing an imbalance due to lack of quality sleep. Almost 9 million Americans are prescribed to sleeping pills, among which most of them are white females aged 50 or above. People undergoing PTSD were around 16 percent which was actually highest considering other diseases. A study from Veterans Affairs Medical Center in Columbia says that a pre- existing diagnosis of PTSD in people were linked to increased sleep disorder onsets. Hence, it is always recommended to sleep 7–9 hours.

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  • Top 3 jobs for a Masters in Early Childhood Education Degree-holder

    Our education plays a major role in determining which career choices are available for us. The degree that we pursue helps us in landing our dream job. The right kind of education, from the right institution, plays a major role in bringing us closer to our goal. So, if you have attained a Masters in Early Childhood Education, you can be eligible for jobs which require monitoring a child’s development and assisting the child for the same.

    A Masters in Early Childhood Education depicts that you are familiar with the various teaching techniques and can help children develop skills that would help them in growing emotionally and intellectually. Since, you are deemed capable of helping children realize their full potential, here are some reputable jobs that would put your Masters in Early Childhood Education to good use.

    • Childcare Center Director– At times, the responsibility of caring for our toddler is entrusted to child care centers. Not everyone can own a child care center or become a director of the same. They need to possess a Masters in Early Childhood Education Degree. This degree ensures that the person is aware of the different techniques of aiding a child’s development and can train the entire staff to do the same.
    • Preschool Teacher– An individual’s development begins right since their childhood. Since childhood is such a crucial stage, it is imperative that their skills are nurtured in the right manner. Since you have the ability to devise methods to ensure that every child participates in the learning process and benefits from it, you will fare excellently as a preschool teacher.
    • Home-based Service Provider- Often, parents aren’t comfortable with sending their children to a play school and are of the opinion that the home is the best environment for the child’s development. In such cases, they opt for a home-based service provider who can effectively provide the perfect learning environment for the child. Your Masters in Early Childhood Education ensures that you would provide the right kind of learning environment for the child.
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  • Cool furnishing tips for a small bedroom space

    Owning a large home and having a lavish bedroom as part of it is a dream come true for most of us. But that doesn’t mean people who live in small homes with a limited bedroom space need to stay depressed. In fact, there are more than one way in which you can decorate your bedroom and lend an impressive look to it.

    Therefore, before you start to slide the furniture pieces across the floor, here are a few tips that you should consider, especially, if your bedroom space is small.

    Place the bed in the center
    The bed is always the focal point of any bedroom, and in case your bedroom is too small, you should attempt to place the bed in the center so that it is visible and makes your bedroom appear larger. This also gives you a chance to access the bed from all sides, and you can place nightstands on any side of the bed.

    Put the dresser in the closet
    When it comes to small bedrooms, large pieces of furniture can make the place appear cramped and congested. If you have a spacious closet, this dispute can be avoided by using the closet as a place for the chest or dresser. This would invariably free up the floor space and make the room appear visibly larger.

    Place the rug in the right position
    The bedroom rug may appear to add no decorative detail to your bedroom space, but did you know that it can make your bedroom appear larger? You should try to place it in such a way that you have something soft to step on every morning and adorn your floor space. Here, the size of the rug is also a considerable factor, particularly in a small bedroom where the availability of space is limited.

    Be creative with your storage space
    Storage is the most crucial aspect in small spaces, particularly in the bedrooms where the maximum amount of belongings are kept. In such cases, under-bed storage and custom shelves are the best means to store the necessary items. You may also consider placing an ottoman storage at the foot of the bed for additional storage. Another option is to opt for storage beds available for the smaller bedrooms to make it look larger and stylish.

    It can be immensely frustrating to arrange a small bedroom, if you don’t have a clear idea of where you want to place various things. Therefore, it is recommended to take a pencil and a piece of paper to sketch it out so that you can visualize your bedroom, before actually placing the different pieces of furnishing. With these few tips in mind, you can ensure that you utilize your bedroom space to its full potential and be prepared to boost your joy.

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  • Pros and Cons of tempurpedic mattresses

    Tempurpedic mattresses have been on the market since the year 1992, and you can purchase these mattresses online or can get them from any Tempurpedic mattresses sales. Below are listed some of the pros and cons of these mattresses which you should know before you decide to purchase any of these.

    Pros and cons of Tempurpedic mattress
    When you decide to purchase the mattress online or from any Tempurpedic mattresses sale you are likely to get a mattress which is dense and durable. The benefit of Tempurpedic mattresses is that such mattresses sense the temperature of the body and easily conform to different body shapes and sizes.

    The weight is also equally displaced on the surface of the mattress, and this also helps in improvement of circulation. Pressure points in the body also get relief when you decide to use such mattresses.

    However, a distinct disadvantage of these mattresses, which you might have purchased from Tempurpedic mattresses sale, is that they may retain body heat and for some people, it is not easy to sleep on these, especially during warm weather. Some people will also find it difficult to move around on the bed when Tempurpedic mattresses have been placed. This happens as the mattresses are dense and have been designed in such a manner to balance the contours of the body.

    Even if you purchase these mattresses from Tempurpedic mattresses sale or from an online store, you are likely to find difficulty in using these since they are very different from any of the traditional innerspring mattresses.

    Different types of Tempurpedic mattresses
    When you purchase these mattresses from Tempurpedic mattresses sale or any online mattress sale, you are likely to get three distinct kinds of mattresses. These are from the Tempur contour collection, Tempur HD collection, and Tempur Cloud collection. If you wish to have a firm bed, the Tempur contour collection is the best. The beds in Cloud collection will, however, be softest when you make any online mattress purchase.

    If you buy Tempur HD collection mattresses, you will get mattresses that have surfaces with more cells in every inch as these distribute the weight evenly and will offer comfort to the entire body.

    However, in spite of their distinct benefits, many people feel reluctant to purchase Tempurpedic mattresses since this cost more in comparison to standard mattresses. However, Tempurpedic mattresses sale is a perfect opportunity to purchase a wide range of this mattress online since you will be able to get a suitable discount which will not be available if these are purchased from a regular store.

    However, people who purchase these are satisfied with the product since it offers value for money and is always worth the price.

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  • Tips to buy auto parts online

    Purchasing spares can become a heart-wrenching experience once we get to know its price. What we thought would be a $5 worth spare might come in with a 200% premium with a retailer. Although the product seems genuine, a lot of costs are hidden. We have been buying from people and companies that we trust. But on the internet, nothing can be trusted unless we have the spare installed and confirm that it is working properly. However, online purchases are happening every day and the online market is only getting bigger. Then how do we go about it? Here are a few steps to do before finishing your purchase online.

    Research is everything!
    Whether you are new or old to the online market, research is pivotal before finding a genuine spare at the right price. Options might seem many when looking for a fairly common spare and it might get confusing to decide which one to get. To start your research, there are two main websites, to begin with, Car-Part.com, which offers one of the largest databases of used auto parts in the world and eBay.com, an online auto parts mogul. Find the auto part that you need on Car-Part.com and then try locating the same on eBay.com. Try comparing the prices and the shipping costs. Also, pay attention to the delivery time to see which one suits you best. You can also check out other online stores such as AutoPartsWarehouse.com, AutoPartsStoresUS.com, and more.

    It is always best to call up your dealer to confirm the specific part number before you make the purchase. A wrong purchase only puts you in trouble and not the dealer. It is important to note that automobile manufacturers make unique parts for their vehicles to keep them edgy or many times just to charge more.

    Coupons and discounts!
    Many online stores run promotions and discounts regularly. It is not bad to sign up for notifications and promotions on online stores. The right coupon might sometimes give you a great saving. In case you fall short of a discount, say “$40 off for a $150” coupon code, you can include items that you might regularly, for example, filters and coolants etc. You can also check this famous website bosistheoilguy.com – which will help you find coupons and discounts that sometimes don’t appear online. Go to the product rebates forum and you will be in for a surprise!

    The online experience is a way of self-learning and a long term benefit. You will learn as you make your purchase, unlike the one you purchase at a store.

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  • Tips To Choose The Best Finance Software

    Accounting and finance works are consuming a major time of the day. Complexities of your business accounting have increased and now you are finding it extremely difficult to manage the task manually? Well, there are many business owners, who find difficulty in managing the accounting tasks on their own and prefer to use different software for easing their work. If you are also considering about using finance software for your business, you need to make a smart selection. Finance or accounting software is an expensive investment and you should be done in an intelligent manner or else you may end up wasting the money completely. When purchasing any kind of software, you should not just make the selection based on its price or ratings. You should check its features and ensure its compatibility with your business.

    Some useful tips to select finance or accounts software have been listed below.

    Compare between cloud-based software and on-premises software Owing to the difference in the budget and requirements of the business houses, you can now get on-premises software as well as cloud-based software. As the name indicates, the on-premises software is restricted to the devices in your office, whereas cloud-based software can be accessed from anywhere. These are less in price compared to the on-premise and do not require any additional hardware or memory for storing data. Not just that, with the cloud-based software, you can also forget about the installation process. Yet, you need to pay some fees for maintenance as well as protection of your data.

    Tracking multiple departments
    Startup companies often make a mistake while purchasing the software. They make their selection based on the present size of the business and focus on a department or two. However, if you want to get the best value for the money that you pay, you should get software that can track different departments with equal efficacy. By purchasing this type of software, you can continue using the same product even when you expand the business and include multiple departments in it.

    Check the automation level
    When it comes to finance or accounting works, most of the business owners prefer to purchase a completely automatic system. If you are also looking for the same, you should not just rely on the advertisements of the vendors. You should ensure that it can calculate foreign currency exchange, taxes, payrolls, bills or any other data with complete efficacy. Also, you should check whether the software can alert the user in case of any mistake or when there is no input provided in the mandatory sections. Irrespective of the fact that you purchase OfficeTime or you get AceMoney, you need to provide the manual inputs with due care or else you might not be able to get a flawless job.

    Opt for reminder feature
    Nowadays, many finance software comes with an alert or a reminder feature. It will be better for you to opt for those. With this feature, you will be easily alerted about the bills and payments that you need to make during your business. You will also be alerted when there is excess capital flow or a due date for collecting payment. Thus, you will not have to worry about the intricacies of the business and focus on some other productive job.

    Convenient and user-friendly
    Whether you own a small startup or you are the manager of a giant corporation, it is important for you to get a user-friendly software that you can easily operate for making the calculations. Do not just make your decision based on the rating of the software. Delve deep into it and ensure that you can put it to the right use. Getting complex software for your business may end up wasting your time instead of saving it.

    Before purchasing any finance software, you can always check its review. This will help you make the best choice for the betterment of your business.

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  • Here’s how you can choose an automotive lift

    Automotive lifts, also known as car lifts, are one of the most useful tools used by mechanics at a maintenance or repair shop because most of the work is done underneath the car. Automotive lifts can make your work easier, especially if you are working on brakes and on power train or engines. When thinking about installing automotive lifts, you need to know which type will work best for your vehicles as you need to consider the garage space and the vehicle type, and, of course, the budget.

    Here are the factors you need to consider before buying an automotive lift:

    Type of vehicle
    It is necessary to choose an automotive lift based on the type of vehicle and its weight. Every automotive lift comes with weight limitations. Buy a heavy-duty automotive lift if you own a commercial auto garage or a two-post automotive lift for household garages.

    Number of posts
    You can choose an automotive lift based on space availability and the intended use. As discussed above, heavier lifts are recommended for commercial purposes and single or two-post automotive lifts for motorcycles, hatchbacks, and sedans. Four posts can be used for pickup trucks and if you have a commercial auto garage, consider installing in-ground automotive lifts as they can be hidden in the shop floors when not in use.

    Garage slab considerations
    Once you have determined the type of automotive lifts based on your vehicle, you also need to consider the slab thickness. Experts suggest that a garage slab should have at least five inches of thickness to support the weight of the automotive lift when it is in use. You also need to consider the height of the workshop and ensure that the lift can be hoisted without any interruptions.

    Ask a specialist
    If you are still not sure about the type of automotive lift for your personal or commercial garage, it’s best to consult a specialist or a mechanic. There are many brands such as Triumph, Atlas, BendPak, and Danmar, among others, that manufacture automotive lifts of different types based on the types of vehicles and their intended use. Read their customer reviews before deciding to buy an automotive lift for your vehicle.

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  • Ways to stop herpes from spreading

    Herpes skin infection is highly contagious, and its sores take some time to heal. However, many couples have been living healthy lives without transmitting their herpes infection. Some may simply avoid sexual intercourse while others take certain precautions while they do engage in the same. Nevertheless, you should know how to take care and avoid spreading it someone else.

    For partners: It can be helpful if you use a lubricant during sexual intercourse. Try to avoid sexual intercourse when you have a herpes outbreak and even if you do, use as much protection as you can. Always keep your partner informed about your problem, so you do not expose them to the same infection.

    Don’t aggravate the sores: Avoid having direct contact with these sores. The sores in the genital areas are the most infectious whereas the ones on the hips or the back are equally contagious. Wait for your sores to heal and fall off. Do not touch the herpes sores because they can spread infections to other parts of your body.

    Avoid contact with children: If you’re a mother and have herpes, you avoid as much physical contact as possible so that the infection doesn’t affect your little ones.

    Maintain personal hygiene: Avoid situations or activities that might cause you to sweat a lot since you can spread the infection further by wiping off the sweat. Even your sores tend to get worse if they are kept damp. Wear loose, cotton clothes and keep your sores covered. If you’ve touched your sore by any chance, wash your hands immediately before you touch any other part of your body. Always use a hand sanitizer. Do not wet your contact lenses with spit as this could cause oral herpes to spread to your eyes.

    People who are infected with herpes are twice as prone to getting the HIV infection as compared to an individual who does have the same. And the people, who have both the infections, are highly likely to pass it onto their partners or even pass it to their children at times. So, try and prevent spreading this health disease as much as possible.

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