An individual retirement account (IRA) is similar to a savings account that helps you save for retirement and make the most of tax savings. IRA accounts have two types—one is a traditional account and the other one is a Roth account. It is a retirement plan provided to individuals by various financial institutions in the country. There are several plans you may choose from. It is important to consider your requirements and go for a plan that fits your needs. Some of the best companies offering IRA plans have listed below. Ally Invest Ally Invest provides one of the best structures for an IRA. It offers unlimited options for investment and has the lowest fee structure in the market. It offers managed portfolios that require a minimal investment of around $2500 and has an annual fee as low as 0.30%. It gives you an option to have your entire portfolio managed by professionals. However, you must remember to maintain the minimum balance, else you may have to pay a penalty of around $50 per annum. Betterment Betterment is a huge investment advisor. It offers a managed portfolio, and you are only required to fund your account. The professional managers will allocate the portfolio between debt and equity instruments. It does not require any initial deposit. Wealthfront Wealthfront offers one of the best IRA retirement plans in the market. It offers low-cost professional services for your IRA and is an ideal platform to grow your investment. They offer a diversified portfolio of debt and equity and also has a range of alternative investment options. An IRA account may be opened with an amount as low as $500 and the advisory fee for the account is around 0.25%. E*TRADE E*TRADE offers an ideal mix of investment options with a low pricing. The stocks and mutual funds may be traded at a low cost, and there are more than 1000 mutual funds to choose from. With more than 30 physical locations across the country, it is an ideal option. It neither has any annual fees nor does it require any minimum account balance. Choose the best IRA retirement plan based on your investment criteria and long-term financial goals. Professional management of your portfolio will allow you to maximize your wealth and generate higher returns on the same. At the same time, with a diversified portfolio, you will be able to reduce the associated risks.

You already have Google and Microsoft offer fantastic email service for free. Why pay for one then? Well, if you are an occasional mailer you can get by with free service. If your living depends on it, you better pay for it. Paying for email service makes sense for those running a serious business. Paid services give you the liberty of sending emails through your own domain thereby enhancing your professional credibility. Here's a list of five paid service providers that you can pick from for ease in client communication.

MailGet Bolt
An economically priced user friendly service, MailGet Bolt propagates clutter free and minimalist approach. The design is fresh and simple and allows its users features that are relevant and necessary for a successful email marketing campaign. Some distinct features like sign-up forms and clear statistics instrument makes life easy. The interface is not cramped with superfluous information which is a great plus if too much information bonks you down. With MailGet Bolt you get total value for money!

MailGet
Getting this service is by far the best deal that you can get. This service gives you maximum benefits for a very nominal price. It is believed to be one of the most economical and super affordable email marketing services. It has a stunning and easy to use email builder where you can create email, add contacts, drag and drop email builder and connect to multiple SMTP connections. It is a fully hosted service so you need not even worry about managing servers.

Sendloop
Sendloop makes growing business with email marketing very easy. You can create beautiful email campaigns and automate email marketing in minutes and so much with no prerequisite technical skills. Sendloop allows you to follow up leads and customers automatically. With Sendloop, it's quick and easy to create beautiful, high-converting emails - even if you have zero programming experience.

Get Response
Get Response is another low-cost online service with easy to use features. They offer auto responders, email creator, A/B split testing, marketing automation and list management among other amazing features. Their web page boasts about being the most trusted email service by the biggest hospitality industries and fortune 500 companies.

Constant Contact
Constant Contact's prime focus lies on simplicity and usability. They filter all the noise that is usually found on other email providers and are targeted towards inexperienced internet users. It is completely automated and requires users to merely import contacts from excel files or other storage and does the rest on its own. It's auto responder helps send clients greeting on all special occasions. It also provides scheduled mailings that helps send letters within the set time period. This service is pretty much the most automated of them all.

Confused!? Choosing a good service can be a daunting task but only once. Most of these services provide free trials for up to 15 to 60 days. You could avail any for these demo versions to get a feel of the tools and make up your mind. Make sure you choose wisely!

Everybody loves a good sleep, but you need to know the correct ingredients for that. Going to bed on time doesn't always assure better sleeping; the primary factor is the level of comfort. The base of the bed, the mattress and bedding together make a good night's sleep. With Sleep Number adjustable beds, the great news is you can fix your bed according to your position of support. There are several varieties and models available for you to choose the best adjustable bed. Get ready to be in bed with an experience you never had before. What does the adjustable bed offer? Endless head positions with a feeling of zero gravity, under-the-bed lighting, foot warmer to help you fall asleep fast are some of the most distinguishing factors of these adjustable beds. Features of Sleep Number adjustable beds Sleep Number beds are specialized in relieving back pain. The sleep quality is the best as compared to the inner-spring mattresses as it gently cushions your body while you sleep. The dual-layer design is a feature that helps you individualize your level of comfort with contouring foam, such that it is perfect for both of you. A wireless digital remote offers a variety of combination from 0 to 100, and you can choose a number to obtain the ideal combination of support and firmness. It has a feature called whisper-quiet control. You can adjust your individual setting of comfort position without disturbing your partner sleeping next to you. It has a microfiber upholstered base, which allows you to raise the head of the mattress and elevate the foot for maximum support and comfort whether you are lying down or sitting up to watch or read. The advanced system of pressure mapping helps in decreasing pressure and increasing comfort. Therefore, you wake up feeling fresh and well-rested. Sleep Number adjustable bed includes the following: Super soft cover, which is breathable for a comfortable sleep European-style pillow top with mattress thickness of 11 inches Exclusive Sleep Number DualAir technology, which helps you adjust each side of the bed for the firmness with a wireless remote. Edge-to-edge cushioning and 2 inches high-density foam topper pad The age old quotation of Woody Allen does not stand true anymore with Sleep Number adjustable bed. He said, The lion and the calf should lie down together, but the calf won't get too much sleep. Not taking the literal sense of being, we can very well say that two people sharing the bed can sleep comfortably as Sleep Number caters differently to different individuals. So for what are you waiting? It's time to bring comfort home with everlasting firmness and durability to get that refreshing sound sleep every single nigh.

With so many different types of decorative lights in the market, it is easy to get confused about what and how to use one that works best for your home interior needs. Decorative lights can be both beautiful and functional, but they require careful selection to work wonderfully for any indoor space. Here is a lowdown on different types of general decorative lights and how to use them in your home. Task lighting: Task lights target areas that you need for specific activities like cooking, sewing, and reading. The main purpose of task lighting is to provide glare-free visual clarity. It must aid in your task and not impede it. You may need task lights near your kitchen island, in your bathroom or dressing room, by your desk, in your kid's room, or a reading corner. Task lights always work best with additional sources of lights in a room. For instance, a small table lamp can aid your writing or reading work when you already have general lighting in the room. For your rooms, you can use floor or table lamps as task lights. Lamps can be used anywhere as task lights. These decorative lights serve a practical purpose and also add to your home decor. In the kitchen or bathroom, a pendant light can aid in your tasks. Under-cabinet lights are also excellent decorative lights for the kitchen that provide perfect brightness for your kitchen chores. Vanity lights are perfect for your bathroom and dressing area. Ambient lighting: Any light fixture that provides an indoor space with illumination in a comfortable manner is ambient lighting. Ambient decorative light can be chandeliers, wall scones, or any recessed lighting. Ambient lighting works best when it is as close to natural light as possible, but it is not bright enough to help with tasks. If you have a high ceiling, you can use pendant lights for the perfect ambient light. Track lights can also be used to create a softer ambient look and can work in spaces with low ceilings. Fluorescent tubes can serve as an ambient light in a small room or closed-off space while a chandelier with dimmers is perfect for the dining area. Accent lighting: Accent lighting fixtures are decorative lights that bring focus to a certain design element in a room. With accent lights, you can highlight an interesting looking piece of furniture, wall art, books, or any design element. With the use of accent lights, you can create a specific atmosphere in your home space. It also lends sophistication to any indoor area. A small bulb or a big halogen light can also be used as accent lights. Picture lights or track lights are other examples. Table lamps that have opaque shades can be used to accent wall or room features. Landscape lighting and any kind of spotlight in your home interior or exterior are also accent lights.

When it comes to family road trips, SUVs are some of the most popular choices. Sports utility vehicles can handle almost all kinds of road conditions, making them suitable for people who are always on the lookout for a new adventure. Besides this, SUVs are also known for their spacious seating arrangements making them the perfect choice for large families. If you are planning to buy a sports utility vehicle for your family, here are some of the best SUV deals in the country right now. Here are some of the best SUV deals to check out in the country: Audi SQ5 Buying a luxury SUV might become a tad easier if you get to know that the car loan would come without a down payment. The Audi SQ5 is among the many models that the manufacturer is currently offering zero down payment with easy financing options. The added benefit here is that it also comes with a 0.99% APR making your car loan EMIs slightly less expensive to pay off. These offers, like most standard ones offered by the manufacturer, can vary based on the credit score of the car buyer and the loan tenure.  Audi e-tron Similar to the offers on SQ5, the manufacturer is also currently offering a 0% APR option for the recently trending electric SUV e-tron. This one, which is known to be one of the most powerful models in the electric SUV line-ups, also comes with convenient financing options like the SQ5.  BMW X3 APR offers are mainly popular among SUV deals, as they help save a lot of money in the long run. These might be applicable on shorter tenure loans, but the effective total amount paid will be less than the amount you pay with a higher interest car loan. This is why offers like the 0% APR for the BMW X3 would be attractive options for anyone who is looking to take the leap and invest in a good SUV. This car, known for its sleek look and superior handling, is among the bestsellers loved by the young and the old.  You can be sure that you are buying the most practical car as your next family car by tapping into the best SUV deals. From customizable and convertible seats to hybrid engines, several cool new features are present in most best-selling SUVs from popular manufacturers. So, you will be left with a car that you can trust for years to come.

The Ford Escape is a standout SUV that impresses its users with chiseled performance and high-end durability. And the exclusive hybrid series is a winner in the environment friendly technology category due to its indisputable performance over other gas-running cars. Ford’s Escape hybrid edition breaks the usual fragility associated with eco-friendly cars. Priced at around $269,70 for two-wheel drives and $285,95 for four-wheel drives, this hybrid provides 36 mpg in the city and 31 mpg on the highway alongside an acceleration of 0-60 in just 9 seconds. This edition does not compromise on any major parameters in comparison to its gas counterpart and is by far been rated the best in its class. Adding to the line of the basic hybrid technology in cars, the Ford Escape’s efficiency can be attributed towards the high powered 330v nickel-metal hydride battery and the regenerative braking system instilled in the SUV. It can also tow as efficiently as its gas counterpart and is still well within the SULEV and PZEV emission standards. While the gear shifting in the Ford Escape is not the same as a 4 or 5-gear shifter SUV, this SUV is still equipped with a continuously variable transmission. This addition helps in balancing out the varied transmission output levels generated jointly from the V4 cylinder gas-engine and the electric motor. At lower speeds, the electric motor propels the performance like a V6 cylinder which helps the unassisted acceleration of up to 25mph. For higher rpms, the 2.3-liter gas-engine takes over to deliver the unperturbed drive. This acceleration stability is smoothly unique only in the Ford Escape and is hard to come by in other competitive models. Most importantly, the Ford Escape was awarded four out of five stars in the crash testing reviews because of the integrated safety features like the stability control, anti-lock brakes, rollover sensor, and full-fitted airbags. This choice stands out to be the best for an everyday commute in the city rather than the highway because it stands sample of eco-friendliness and fuel efficiency. It’s the best pick for those who want a smooth drive.