What is the difference between a savings account and a checking account
What is the difference between a savings account and a checking account

Does the difference between a savings account and a checking account confuse you? Not sure what account suits your needs? Let us help. Before we start, here are a few key points to remember –

Checking accounts are meant for recurring usage. This account is ideal for daily transactions and lets you issue cheques against the checking account. However it offers very little interest.

Savings accounts are established to encourage less usage and are ideal for saving money over a span of time or to establish an emergency fund. These accounts charge heavily after a limited number of transactions. However, they offer larger sums of interest over the financial year.

Both accounts have multiple pros that support different needs, Here are a few key points to keep in mind before opening either account.

Account fees: An important factor to keep in mind is the fee that may be applicable when you open either account. A checking account for instance allows you to access funds at your convenience. However, some banks may impose a minimum balance for the account. This type of account permits functions like overdraft and external online transaction facilities. A savings account limits the number of transactions and only allows you to withdraw a portion of the money deposited in the account. This account limits transactions to limited banks. The account holder must transfer the funds to a checking account before withdrawing those funds. This is in order to limit access to the funds.

Interest rate: Checking accounts generally yield little to no interest. On the other hand, savings account accumulates interest. The interest rate on savings account differ between banks and depend on the time span and amount invested in the account.

Online transactions: Checking accounts are easily accessible online. They allow the account holder to make most bill payments and purchases online. Savings accounts usually do not permit these transactions. However, they allow the holder to transfer funds to a checking account in order to access these functions.

Restrictions: There are little to no restrictions on withdrawals on checking accounts. This means the account holder is free to access their account any number of times in a day or month. However, savings accounts usually restrict the holder to 3 to 6 withdrawals in a month. There are no restrictions on depositing funds into either type of account.

Availability Of debit cards: Checking accounts often come with debit cards that also act as ATM cards. This eases access to funds. Savings accounts usually do not offer the facility of debit cards. Account holders must usually conduct transactions either in person, online, or by phone.

It is possible for a person to maintain both a checking account and a savings account. While the former grants ease of access to funds, the latter encourages the account holder to save. Checking accounts are meant to help those who require frequent access to their account. Savings account offers account holders higher interest rates. They are usually used to set up a college fund or emergency fund and encourages long term investments.

  • The best upcoming trend of lightweight TVs

    LG made the pioneer attempt to produce a great innovation in the television market. Two years back that is in 2015, LG launched LG Display(LPL) with the following features-

    • 55-inch display
    • Thinness comparable to DVD
    • Weigh less than 4.5 pounds
    • High-definition display with OLED technology

    Each feature is good enough to make a customer (updated with latest technological advancements) buy this LG Display ultra-thin TV model. But what is OLED Technology’??

    OLED technology has whirled up a storm in television industry by leading to the production of lightweight TVs with thin and flexible high definition ultra-thin television displays. OLED displays are sourced out from carbon-based organic materials which have the potential of emitting light. This emitting light ensures fluorescent backlighting is avoided (All LCD screens have fluorescent backlighting) thus giving good contrast, saturation, and brightness.

    The plus point of OLED technology is complemented by the following features-

    • Best Photo viewing
    • Perfect Contrast
    • Bright and solid Colors
    • FlawlessFine details
    • Smooth display Motion
    • Image Artifacts
    • LG never fails to surprise us !!

    LG is the star of innovation, and it has uplifted our spirits by launching another lightweight TV model that is the LG Signature OLED W television.
    Features of LG Signature OLED W television are-

    • 65 and 77-inch display
    • Thinness-2.57mm
    • Weight less than 5 pounds
    • High definition display with OLED technology

    LG Signature OLED W television feels like`looking through a window into another world.’ It is magical watching through the screen of LG Signature OLED W television.

    • What is the importance of lightweight TVs?
      As the era of light-weightedness and compactness has peaked through our lives, it was necessary to accessorize the greatest electronic gadgets of our times.
      Earlier, television was the only thing through which we were connected to the outside world. The internet and computers came a little after the TV. Without innovation, television according to technological advancement would lead us nowhere.
      Similarly, OLED came into existence to manufacture lightweight TV, flexible and high definition ultra-thin definition system.
    • Best choice for interior design lovers
      Now with trendy furniture, latest architectural modern kitchen, attractive wallpapers and ultra-thin television system you have a complete way to go and design your house the way you want. Television wallpapers are the new trend biz in the electronic world.

    Are you ready to follow the ultra-thin TV trend this fall?

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  • Furnishing tips for new homeowners

    After years of saving, you’ve managed to buy a place which is your exclusive private space. You need to bring in the basics so that your house is set-up well for you and your family to live in. For which, you will need to buy certain needful stuff along with some basic furnishing items. But contrary to the popular belief, furnishing your home won’t require you to break the bank. You can decorate your den with whatever budget is available on hand. The idea is to make your home feel like home, and for that, you won’t like a wall to wall place that is plain and meaningless. Follow these quick tips to set up your abode in the basic yet fun way.

    Get a comfortable bed
    The essential aspect of the bed is the mattress. When it comes to furnishing, don’t think on spending on a high-quality mattress since you will have to bear with it for a long span of time. When it comes to the frame of the bed, you should look for something that stands out. Though it is not a necessity, it will add character to your bedroom. You will also be interested in spending a little more in the comforter and duvet, particularly if you hail from a colder region. A premium class comforter is bound to last for about a decade. Another point to consider is that stripping off the duvet from the comforter for washing is a lot easier than washing the whole comforter together.

    Don’t miss the couch
    A living room is much comfortable with the a couch and you should always look for a cozy and well-built couch. Futons are equally comfortable and are long lasting. They offer enough space and comfort so that you can relax after a long day. Plus, they can accommodate your guests as well. However, if the budget you’ve set for furnishing is not an issue with you, you can simply invest in a couch rather than a futon.

    Bring in the coffee table
    You will have to think economically before splurging on this furniture item as a quirky furnishing element for your space. You can always look for cheaper versions of tables, which would look equally cool in your home.

    Set the kitchen
    No home is complete without a kitchen items and there are certain things that you must have in the kitchen to cook wholesome meals with ease. These can include microwave, coffee machines, mixer grinders, juicers and a host of utensils.

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  • Top payroll software for small businesses

    If you run a small business, payroll software can help you manage all the particulars and activities regarding your employee workforce. If you have 50 to 100 employees, it can get a little difficult to keep track of all the payslips, tax files, and other important employee details. That’s where payroll software for small businesses come in. Let’s look at the top software options you can choose from:

    • Gusto
      Hailed as one of the best payroll software for small businesses, Gusto offers a comprehensive system with intuitive software that can help you handle a variety of employee-related matters. These include employee pay stubs and tax forms, benefits and payroll reports, health insurance, state and federal unemployment insurance, PTO tracking, direct deposit facilities, wage garnishments, automated tax filings, and unlimited payroll runs in all 50 states. The interface is easy-to-use, and the brand offers a free demo as well. Unlike other software, Gusto does not charge extra for features like automated billing, health benefits, online estimates, and workers’ compensation.
    • ADP
      This software can take HR and payroll off your hands, easing your burden if you’re managing a small business. It handles all the time-consuming tasks for you, ranging from managing employees’ 401(k) accounts to filing payroll taxes, and it also takes over tasks like onboarding, hiring, and recruiting. If you face any challenges, the ADP customer support is always there to help you. It also offers easy employee self-service and increases the efficiency of auditing the payroll process, lowering the risk of liabilities. The helpful ADP app also allows you to choose benefits, track time, and request paid time off and leaves. Not to mention, you get 3 months of free services when you sign up for payroll processing with ADP.
    • Paychex
      This is one of the best payrolls for small businesses that combines HR and payroll and breaks it down according to the business size. It works for small companies with 1-49 employees, or you can opt for its services for over 1000 employees. Most plans include time tracking, health insurance, state unemployment insurance, retirement management, and benefits administration. With Professional Employer Organization (PEO) plans available, this software also offers HR basics and digital marketing help with each plan. It is suitable for every business, whether your company is a law firm or a small hotel with a dozen or so employees. You cannot find the pricing for this software online, but you can request a free quote by visiting the official website if you want to use Paychex for your business.

    Small business owners may wonder whether they should hire an accountant or use a payroll service. In general, payroll services are cheaper, even more so if you opt for the self-service route. These software also offer features like time tracking, HR administration, and employee benefits that fall outside the scope of an accountant’s job. That being said, some companies prefer a balance of both and use payroll software in addition to hiring an accountant. You can see what works best for your company and choose the most suitable payroll software for your small business.

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  • Popular Recliners to Choose From

    A recliner is a single-seat sofa or lounger that can recline at the press of a button or lever. It also has a comfortable footrest that can be extended automatically or by using a lever. They are used for lounging and relaxation.

    Apart from the adjustable backrest and extendable footrest, recliners come with a variety of additional features, such as rocking, swivel, vibration, lift, heating, storage compartments, massage settings, and more. A good recliner is the most comfortable piece of furniture to sink into and rest your body after a tiring day.

    Recliners have been around since the 1850s when the French invented a multiple-use camp bed that could be changed into a bed, a chair or a lounger as required. About 70 years later, a couple of American furniture makers created an upholstered sofa with a mechanism for reclining.

    This paved the way for the creation of modern day recliners such as La-Z-Boy and Barcalounger. These two world-renowned brands are synonymous with recliners, though there are several other brands such as Powell, Ashley, Simmons, and Catnapper that also manufacture recliners.

    Types of recliners and things to consider before buying one

    Recliners can be of various types, such as classic, rockers or gliders, heating and massage, wall-huggers, and contemporary. The type of recliner is a major factor that has to be decided upon before purchasing one.

    The décor or style is another factor to consider. It will depend on who is going to use it, which room it is going to be placed in, whether it will be used for watching television, reading books, napping, nursing a baby, and so on. Once that is decided, the budget must be fixed.

    Here is a list of the top-rated recliners today to help you pick the perfect one:

    La-Z-Boy Morrison Reclina-Rocker Recliner

    The original La-Z-Boy brand, this recliner is customizable and comes with a handle to easily adjust the back and footrests. It is available in a variety of materials such as leather, fabric, iClean etc. It comes in several patterns ranging from floral and geometric to paisley and plaid as well as patterns. The seating, arms, and headrest are plush and super-comfortable. This durable lounger is the best in the market for relaxing and stretching out.

    Esright Massage Recliner Chair

    This recliner has a massage and heating feature that can be activated at the press of a button. It has various modes that can help you customize the massage and heating. It is made of synthetic leather and comes in cream, black and dark brown. It has 2 cup-holders and 4 storage compartments for snacks, books or devices.

    Baby Relax Mikayla Swivel Gliding Recliner

    This affordable recliner is ideal for nursing a baby or lulling the little one to sleep. Apart from the gliding feature, it can also swivel and recline. It is a great pick for the baby nursery and is handy for catching a quick nap with your baby too.

    Elizabeth Living Room Tufted Fabric Recliner Armchair

    This classic recliner has wing-backs, nail-accented arms, and a button-tufted backrest. It is not only comfortable but also makes a great style statement. This stylish recliner will enhance the look of your living room and is a great option for entertaining.

    Sandra Manual Recliner

    This is a simple manual recliner with neutral-colored upholstery that will match any décor. It is made of a polyester blend and is easy to clean. It requires assembly. It has a manual push-button to make it recline at a 50-degree angle.

    Flash Furniture Microfiber Kids Recliner

    This recliner is perfect for children to relax and get comfy while watching their favourite shows or reading a great book. Its upholstery is microfiber and can be easily cleaned with a damp cloth. It has storage spaces in the arms, where the kids can keep their toys, snacks or books. This chair comes with a 2-year warranty.

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  • 5 reasons why you need to switch back to flip cell phones

    With the technological advancements in the smartphone industry these days, purchasing a cell phone has become more confusing than ever. A wide array of cell phones awaits you at the electronic store from smartphones to iPhones and not forgetting the comeback of the classic flip cell phones and slide mobile phones. So how do you choose between these different types of phones? With the comeback of flip cell phones and improvement in the user interface, should you purchase a flip phone or go with the usual smartphone these days is using? If you are confused and in two minds about purchasing slide mobile phones, here are five reasons to consider before purchasing this phone.

    Screen protection
    Slide mobile phones cover the screen of the cell phone when it is not being used which gives the screen extra protection. It also protects the keypad from being punctured. The latest smartphones leave you feeling paranoid about the screen damage in case you drop your phone. Your screen is also safe from scratches in your purse from keys or cosmetics.

    Keypad protection and privacy
    In smartphones, the touchpad is very sensitive to touch which leads to random pocket dialing because the phone screen is exposed. With flip cell phones, the phone covers the keypad when not in use avoiding pocket dialing and protecting your privacy. You don’t have to be constantly worried about unknowingly dialing a far-off relative or friend whom you haven’t spoken to in years!

    Durability
    Slide mobile phones are very durable because they are very sturdy as compared to today’s delicate smartphones. The only weak point of these phones is the hinge that allows the phone to slide or flip. This is the only area that the user needs to be careful about because if extra force or pressure is put while closing the phone, the hinge can be damaged or simply break. Although the hinge replacement isn’t very expensive, this could be quite a tedious task for repairing.

    Price
    Slide mobile phones and flip cell phones are way cheaper than the current smartphones available in the market. Since the design is a blast from the past, the only newest innovation done is the user interface and operating system. Most of the cell phone brands out there provide cheap purchase plans, and a lot of mobile operators also offer plans on such phones. If you are on a tight budget are a looking for a good quality phone with good durability, flip cell phones are the best choice for you.

    Phone servicing
    Since these phones are cheaper than the current smartphones in the market, the servicing of these phones is cheap as well. Unlike expensive smartphones where you need to shell out huge chunks of money for a minor screen damage, flip cell phones require minimum expenditure on any damage and any local service center can also fix your phone instead of sending it to the branded service center.

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  • Is the Samsung S9 better than iPhone X

    Mobile giants Samsung and iPhone both have managed to combine technology and design to introduce the Samsung Galaxy S9 and iPhone X smartphones. The S9 is a cheaper alternative if you are working with a tight budget. However, when it comes to comparison, here are a few reasons why you can prefer the Samsung Galaxy S9 over the iPhone X.

    • Display
      No doubt iPhone offers a stunning display and superior build quality in comparison to its competitors. Notch and screen to body ratio are the two factors that mainly influence your smartphone’s display. This makes Samsung Galaxy S9 a better choice over iPhone X. Notch is the cutout feature of iPhone X which tends to disrupt user experience while Samsung has no notch. Also, Samsung Galaxy S9 has a better screen to body ratio in comparison to the iPhone X.
    • Camera quality
      iPhone has always featured superior front and back camera’s in all its variants every time. Lowlight performance is one of the standout features of an iPhone, especially in the latest variant X launched last year. However, test results for the Samsung Galaxy S9 which will be launched this year indicate better camera performance in comparison to iPhone X which is a pricier variant.
    • Phone size and aspect ratio
      Screen size makes a lot of difference when it comes to the user utilizing maximum surface area available to them on the smartphones. iPhone X may boast a larger display on paper but due to a reduced screen to body ratios, the upcoming Samsung Galaxy S9 has a bigger screen and a richer aspect ratio for its display. While the iPhone X has a narrower aspect ratio of 19.5:9, Samsung has 18.5:9 wider aspect ratios. At 5.8 inches, Apple iPhone X has a smaller screen size in comparison to Samsung Galaxy S9 plus which has a screen size of 6.2 inches.
    • Headphone jack
      With the iPhone X, it is difficult to listen to music and connect your phone to a nice sound system as there is no separate headphone jack. Apple discontinued the standard 3.5mm headphone jack after the launch of iPhone 7 and provided an audio adapter which can be connected to the charging port. Samsung Galaxy S9 and the S9 plus both still have and maintain the 3.5mm universal headphone jacks thus making it a preferred choice over recent iPhone variants.
    • Price
      No doubt one of the most important deciding factors is the price. While even the base model of iPhone X costs around $999, Samsung Galaxy S9 is expected to be priced at $719 and the S9 plus variant will cost you $839 approximately.
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  • Top 5 dishwashers to choose from

    A dishwasher is a machine that rinses and cleans all dirty dishes. Users must load the dishes, add a detergent, and set washing cycles to turn on a dishwasher. You must invest in a high-quality dishwasher that can help you save time and prevent the stress of washing the dishes manually. You will find multiple dishwashers in the market that may confuse your choices. Read on if you need help narrowing down your choices.

    Before we talk about top dishwashers, it’s important to know how they work. A dishwasher uses warm water to splash on the arranged dishes. It opens the detergent dispenser automatically and sprays to shoot the water and clean the dishes. Then, it drains the dirty leftover water. It sprays more water to ensure the dishes are clean. Finally, it drains again and heats the air to dry the dishes.

    Top dishwashers to choose from:

    Samsung Top Control Dishwasher
    The Samsung top-control washer works with linear wash technology. It has a unique spray arm to help spray every dish carefully without leaving behind dirt. Here are the features of the Samsung top-control dishwasher:

    It has a flexible third rack to accommodate extra silverware
    It has a built-in LED screen to manage and control cycle timings
    It is enabled with smart technology that allows you to operate it anywhere
    It has an auto-release door and insulated noise reduction

    Bosch 300 Dishwasher
    The Bosch 300 dishwasher is a reliable and well-designed machine that has an outer control panel for operation efficiency. The best part about the dishwasher is that it is spacious and energy efficient. Here are the features of the Bosch 300 dishwasher:

    It has a sanitizing cycle to clean baby bottles and sippy cups
    It has a half-load setting that helps reduce water wastage
    It has adjustable racks to hold more utensils
    It helps dry the dishes faster

    Whirlpool Tall Tub Dishwasher
    The Whirlpool tall tub dishwasher is a reliable and no-frills machine. The dishwasher has an indoor silverware rack that helps create additional space in the basin. Here are the features of the Whirlpool tall tub dishwasher:

    It allows you to set the temperature to be heavy, normal, and high
    It has one-hour wash cycles with heated, dry, and sanitized options
    It has a soundproofing feature that helps reduce noise

    Frigidaire dishwasher
    The Frigidaire dishwasher gives you sufficient space to wash around 14 place settings in one go. The dishwasher also has a stainless steel food disposer to limit bad smell and maintenance concerns. Here are the features of the Frigidaire dishwasher:

    It includes two spray arms to ensure even cleaning
    It has an unobtrusive control pad to ensure operational efficiency
    It has a vented and heated dry design
    It ensures a high internal temperature to dry the dishes

    LG Stainless Steel Dishwasher
    The LG stainless steel dishwasher is an efficient machine that has the best features to work on the toughest dishes. The dishwasher also has an easy rack plus option that allows you to maximize the dishes in a single cycle. Here are the features of the LG stainless steel dishwasher:

    Its QuadWash power feature helps clean dishes from multiple angles
    It has a dynamic dry technology that helps deliver faster drying
    Its soil sensor allows you to wash the dirtiest and toughest dishes

    A dishwasher is the best way to reduce your manual load of cleaning dishes. The machine has reliable built-in technology that ensures to clean and dry all dishes with equal efficiency. You can choose one of the top five dishwashers and get rid of your kitchen worries in minutes. So, switch to your favorite dishwasher today and get ready to take over a smarter kitchen.

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  • Digital printing solutions through Vistaprint coupon codes

    Today, everything needs to be personalized. Want to give your team a pen as a token of appreciation? It must have the company logo printed on it. Want a calendar for your desk? Why not make one using your own photographs! Once upon a time, this type of customization had a princely sum attached to it, but today, you can easily print your own personalized clothes, accessories etc. using a Vistaprint coupon code.

    Vistaprint was set up to empower small business owners with custom-printed products and today it is a well-known name in the world of custom printing. Today, Vistaprint is used not only by corporates to print their visiting cards and stationary, but also by the average American to print invites, personalized mugs, calendars etc. You can even save money and print your wedding program and dinner menu with the Vistaprint coupon code 50!

    Getting something printed with a Vistaprint coupon code is easy. Start by selecting the product you want to print on. Next, choose how you want to design it. You could either browse through Vistaprint’s collection of designs and pick one or upload something you created. For products like visiting cards, stationary etc., if you pick a template from the design library, you can add in your details and experiment with fonts and font sizes to create something unique.

    With Vistaprint, you can even create your own banners and posters. From foam board signs to “A” frame signs, Vistaprint can help you get noticed by the right people. You can even print window decals for your store fronts. Posters are a great tool for internal communication in your office. Alternatively, you could use a poster to let customers know about upcoming sales and promotional events. On the off chance that you do not like any of the available designs and don’t have the skills to create your own design, you could work with Vistaprint’s team of graphic designers to tweak an existing design or create something brand new.

    The minimum quantity of a product you need to order varies form product to product. Quantity also influences price; so when it comes to ordering things like visiting cards, a bulk order may save you a lot of money. If you have a Vistaprint coupon code, you could probably save even more. On the other hand, when it comes to apparels like T-shirts and hoodies, you can order as many or as few as you like. Today, even a bachelorette is incomplete without a custom-printed T-shirt for the bride and her bridesmaids. So what are you waiting for? Start designing and get ready to print.

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