When it comes to banking, there's a lot more to know than what meets the eye. Banking isn't just about saving money in an account, getting interested, and withdrawing it. Not all banks and institutions are created equal. Different banks also have different services. Some banks cater to people while some cater to companies. Whether you're planning a career in the banking sector or you're just curious, a little knowledge can help you understand how the system works. Here's a look at the five most common banking institutions in the USA: National Banks A national bank is a bank that's been federally chartered by the government of United States of America. National banks are insured by the Federal Deposit Insurance Corporation. They offer any and all financial services that you can think of. From checking and saving accounts, to money card services and offering loans and insurance, national banks have them all. Some banks that belong to this category are Bank of America, Citibank, PNC Bank, and Capital One. Retail Banks Retail banks offer consumer services directly to individuals. One of these services includes opening checking or saving accounts. They also offer credit card or debit card services. They also have loan and retirement services. As you can see from the name, these banks are helping individual customers with their banking services. A retail bank can be a local bank with no other branches as well. It can also be a branch of a commercial bank or local bank set up to provide services at a regional level. Commercial Banks Commercial banks offer products and services like fundamental investment schemes, business advances, bond investment schemes, overdraft facilities, and mortgage loans. These are profit-making enterprises. They offer the same services like retail banks. But commercial banks focus on businesses as customers. They can also offer short term loans. Before the Great Depression, all commercial banks in the US were considered to be investment banks. After the banking system collapsed in 1929, the need to limit the operations of banks to one kind either investment or commercial arose. In other countries, there are two types of commercial banks: Public commercial banks, which are usually government owned. Their objective is overall development. Private commercial banks which run solely on the motive of profit. Investment Banks An investment bank is a financial institution that handles securities transactions for their clients. They run on the revenue they get by doing transactions. This includes mergers and acquisitions, derivative trades, foreign money transactions, equities, and fixed-income instruments. Central Bank Or The Federal Reserve Like most other countries, USA has its own central bank. The Federal Reserve, or Fed, looks after all the banks and institutions in the country. Its work includes printing currency, helping other banks during monetary crises, protect everyone's money, punish banks and other financial institutions for any kind of fraudulent behavior etc. They are a politically free entity and work independently.

In the 21^st century, with the advancement in technology, performing daily chores has become comparatively easier. With the busy lives we all lead, wouldn't it be nice if technology helped us do the chores for us and helped us relax? Yes, that’s possible now! Robot vacuums are the solution to this. They do the cleaning for us while we are away! Whether it’s your pet’s hair on the carpet or just accumulated dust, this little guy is your go-to-solution to help vacuum the house. Why should you go for a robot vacuum? There are many reasons that support the use of a robot vacuum at home, some of which have been discussed in brief below: Saves time and effort The first and foremost advantage of having a robot vacuum is that it will free you from regular vacuuming chores. Just switch it on and it will effortlessly clean your entire house (including corners and hard-to-reach places) in no time. The best part is that you can leave it on and go for work. It will, all by itself, finish the cleaning process and return to the docking station. Ensures convenience With the advancement of technology, there are some models that are equipped with a Wi-Fi access and may be controlled through a smartphone or a tablet from literally anywhere (as long as you have an internet connection). This means that you may give a command for getting your home cleaned and the robot will follow your instructions. Moreover, there are some robots where you may pre-set a fixed time of the day and it gets programmed to automatically clean during the set hours. Is an affordable one-time investment Robot vacuums are available at different prices. There are some basic models which are available at a starting range of $229, whereas top-end models which cost over $700. Depending on your requirement and budget, you may invest in one. However, whichever model you buy, rest assured it will be a complete value-for-money investment. Requires little-to-no maintenance Remember using the traditional mechanical vacuum cleaners, which were bulky and very cumbersome to use? Maintaining them was also a task. However, with robotic vacuums, you may leave your worries aside. The only kind of maintenance that they need is the regular emptying of the container which has the dust and grime collected in it. Moreover, you will need to be careful that you do not have any damaging objects on the floor so that the cleaning process does not get hampered. Considering the benefits that they offer, robot vacuums are definitely here to stay and they may only grow in terms of better features and maneuverability.

Every disease shows certain signs and symptoms before it wages a full-fledged war on the body. Liver diseases too belong to this category. The liver is one of the vital organs of the body that has multiple functions to perform. From producing proteins to aiding the process of digestion, the liver plays a major role in allowing us to lead a normal life. Liver diseases imply that something is interfering with its functioning, and a slight disruption in the functioning of the liver can lead to grave diseases. Fatty liver, Cirrhosis, Hepatitis A, B, and C, Jaundice, Liver Cancer, Gallstone, Hepatoxiticity, Viral Hepatitis, etc. are the common liver diseases that can affect individuals who aren't on guard against such diseases. One can sense the impending disaster when the symptoms of liver diseases start surfacing. If you read into the signs appropriately, there are chances of a faster recovery. The common symptoms that indicate an underlying liver disease are as follows-

• Swollen abdomen- One of the signs that a person suffers from liver diseases is a swollen abdomen. This swollen abdomen indicates an accumulation of bilirubin, proteins, and fluid in the body. Also, such fluid retention can also cause swelling in the ankles as well. Diuretics are often used to combat this situation, but in severe cases, a needle is used to drain the fluid from the abdomen.
• Jaundice- One of the most visible signs of a liver disease is the discoloration of the skin, eyes, and nails. It starts turning yellow, due to the accumulation of bilirubin produced in the liver. Excess of bilirubin in the liver is responsible for the discoloration. This condition is called jaundice and can signify a more severe liver disease on its way.
• Change in the color of urine- When the color of the urine changes, it indicates the presence of a liver disease. When there is a disruption in the functioning of the liver, there's an increase in the level of bilirubin, and it exits the body through urine. Dark colored urine indicates the presence of high bilirubin in the liver, which is dangerous.
• Irritated skin- Itchy and flaky skin is another sign of a liver disease. A faulty liver can also lead to swelling and redness of the skin and result in the change of the color of the skin. In severe cases of liver diseases, the veins become more visible through the skin and can be the source of constant irritation.
• Nausea- Since liver helps the process of digestion, any change in the functioning of the same can wreak havoc in the digestive process. Acid reflux, indigestion, nausea become quite frequent as the liver disease becomes more severe.

Be it a family of two, three, four or even five, choosing a cell phone plan which just suits everyone is a challenging task. Telecom companies offer plenty of promotional deals and best-curated offers to provide the best cell phone deals for a family. Ideally, a good plan should have good talk time in terms of minutes, ample free messaging service and data for the streaming videos and online content. Going through the right plan and trying to get the best for one’s money is something everyone wishes for and here are some of the best family cell phone deals.

• T-Mobile One T-Mobile is known for its amazing network not only across the States but also internationally. T-Mobile offers one of the best family cellphone plans at $160 for four connections. If one wishes to avail a three-connection plan, then the price drops to $140. The added perks surely do make this plan a must buy. If the network is good, then the user can avail free Netflix subscription and unlimited streaming at 480p. The plan offers free 4G mobile hotspot and free in-flight Wi-Fi on Gogo-enabled flights. Additional tablets or even apple watch can be added to the network by paying an extra charge. Apart from the free data, T-Mobile offers one free app on iOS and android on every Tuesdays.
• Sprint Sprint does put a decent fight at deciding the best family cell phone plan. The unlimited freedom pack offered by Sprint charges $60 for the first line and $40 for the second connection. Three more extra connections can be added to the existing connection at no extra charge. The plan offers unlimited talk time, data, free 1080p HD streaming, and free Hulu subscription. Compared to T-mobiles 480p streaming, this plan is a real upgrade. Sprint also allows iPhone and Samsung users to upgrade their device every twelve months.
• Cricket Wireless Unlimited 2 Plan Cricket Wireless is known for its superior network. Cricket’s Unlimited 2 plan is an excellent non-contractual plan. They offer four connections at around $100 for a month and it is by far the cheapest when compared to other plans. The data speed has its speed capped to 3Mbps for unlimited plans but speed capping is removed for 2GB and 5GB plans since they are limited data plans. The lower plans enable the user to purchase data at just about $10 for 1 GB. Cricket network has unlimited international calls to landlines in more than 36 countries.

This is the era of comfortable shopping. Sitting in your living room, many online portals let you wade through a variety of options for the product of your choice. Buying farm tractor tires online is also catching up. If you are someone who likes to do some research before buying, online shopping is for you. Some facts to get straight before you bring out your credit card:

• Ensure that the tires the portal sells are new.
• The price listed on the website might not include the complete array of services. For example, in most cases the price listed might be their lowest selling price but installation and delivery might be additionally charged.
• Purchase from a website that provides information on the product, thereby helping you make an informed decision. Also, an online portal that has dedicated customer support is an indication that they are committed to selling original products and customer satisfaction is important to them.
• When you buy farm tractor tires online, be aware that warranty is provided by the manufacturer and not the online seller. Get the warranty details from the seller.
• Many online portals use a third party for delivery. The timeline for expected delivery is provided by the delivery company and not the online seller. Even though most websites offer free delivery, some niche products like over sized tires or products that are available with a limited number of dealers, may include a delivery fee.
• If you have decided on the exact tires and have proceeded to the purchase page, be sure to always check for online safety measures. Trustworthy websites are secured and protected by SSL encryption technology. To attract customers to online shopping, many online sellers offer installment payment and cash on delivery options. If you are opting for installment payments, know that it is offered though a third party merchant (a financial institution).
• Like regular retailers, online sellers also accept only unused products as returns.

Use these tips to make buying farm tractor tires online really simple.

Seasonal products are always found with the best discounts when their demand is at the lowest. The same holds true for lawn mowers. You can buy them cheap during the month of September till the early fall. Lawn mowers are in huge demand during the summer season, and so that is the time, you should avoid. Why September? September is usually the best time to buy a lawn mower. After the mowing season is over, the leftover mowers have to be removed from the floor of the shopping arcade as lawn mowers take a lot of space. This is the reason why autumn is the best time to purchase this product. Purchase by mid-May If you want to purchase a lawn mower immediately and cannot wait until the autumn, then you can purchase it during mid-May. Retailers offer lawn mowers sale during this time and have a 30-day lower price guarantee. If there's a price drop due to the father's day sale, or Memorial day, then you can go immediately for a price reduction of your product. Buying a second-hand lawn mower Consider buying a second-hand lawn mower to save a lot of money. If you find a 2-3 years old used lawn mower in a good condition, then it definitely is a good buy as you will only have to pay 60%-70% of the retail price. You must always be on the lookout for the popular models and brands that people trust. Before you buy an old lawn mower, make sure it is in proper working condition and doesn't require any costly repairs. Can you also ask for a warranty? Try and buy it from a dealer as there's usually a 30-day warranty. You can also take the lawn mower to a local shop and have it examined, just to be sure of its condition. Enquire if there are any parts that have to be replaced. If you can maintain the lawn mower properly, it can last for many years without any troubles. Negotiate Whether you're buying during the sale or not, make sure to negotiate on the price. This is a great way to save some money. You can always negotiate your way down from the retailer's suggested price. A lot of retailers will be ready to sell at a lower price, if you are buying an expensive product or if you're buying some accessories along with it. Be on the lookout for the 10% discount on any product sale offered by many of the big storehouses.