The number of mutual funds in the country is large, far more than the number of stocks traded on NASDAQ. With a number of mutual fund families sporting great track records, you have many options to choose from. So how do you choose between them? Buy No-Load Mutual Funds: Mutual funds charge a sales load, which is around 5% of the asset. With capital lost to sales load, your investment on earnings is reduced. So, it's always best to buy no-load mutual funds, as the sales load can be a significant saving. Calculate The Expense Ratio: The expense ratio is the percentage of assets that are used to run the mutual fund. These expenses include investment manager fees and administrative expenses. Lower the expense ratio, and increase the returns in your pocket. Consider Tax Rates: Taxes are an integral part of your earnings. When choosing a fund, you need to consider your return after taxes. Avoid Funds With High Turnover Ratios. The turnover ratio represents the portfolio that has been bought and sold by the fund. A high turnover ratio can be indicative of bad choice of investments. Choose Funds Managed By An Experienced Team: Mutual fund investment requires experience and discipline. Investing third party money, you'll need to strike a balance between caution and expert knowledge on picking the best stocks. Look for funds managed by portfolio managers who have a solid reputation. Choose A Fund That Matches Your Investment Philosophy: Each investor has different goals. While there are some who fall into the category of value investors, there are many who look for quick growth. There are investors that prefer blue chip companies, while others make their picks based on dividend yields. It is important to choose a mutual fund that shares your investment philosophy. Asset Diversification Is Key: Specific industry driven funds aren't the best idea, especially if you're a first-time investor. Look for funds that have diversified portfolio. Also, it's best not to stick to one fund family. Stocks are not the only investment option. Other profitable avenues include real estate funds, fixed income funds, and arbitrage funds. Verify Against The Appropriate Benchmark: There are many benchmarks, including S&P 500, Dow Jones Industrial Average, and the Nasdaq Composite. Compare what ranking your mutual fund scores against any of these benchmarks. A disciplined approach is a key to making money. Do not let the short term price events dissuade you. Pick funds that have a solid track record, are managed professionally and deliver performance. You will soon be on the path to building wealth for your future.

When it comes to buying new laptops, you can be confused with the dozens of brands with different models and their respective specifications. However, it is a wise decision to opt for the right laptop computer with specifications that cater your individual needs. For the sake of simplicity, all the requirements for laptop computers are broken into three parts such as hardware, software and the brand name. Read below to explore them. Brand: A wide plethora of different brands of laptops are available in the market. Make sure you always buy a laptop from a trustworthy brand. You must select the brand which is easily available in your location and even has service centers around you. Also, select the brand that will fit your budget. Some of the top laptop brands are Apple, HP, Lenovo, and Samsung. Hardware: The hardware of these laptop computers include different parts such as motherboard, processors, memory, graphics, storage, RAM and touchscreen. If you are a newbie or aren’t well acquainted with these technical terms, it is mandatory to know about them and then have the right pick of a laptop. You must know what your needs are and then buy the best laptop computer which fulfills your requirements.

• Processors: You can choose among a wide range of processors which include AMD, Pentium, Core 2 Duo, i3, i5, i7 and many others. These processors have varying processing capabilities. If you are a beginner, you can have a simple processing unit. However, if you need laptops for professional purposes, you can pick laptops with higher processor configuration such as i5 and i7. If you need laptops for gaming, you can choose the AMD Ryzen series or the Intel I series.
• Graphics: Always pick the laptops with better graphics quality. This ensures a quality display of the laptop. AMD is one of the most preferred graphics contenders in the market. You must pick laptops with at least 2 GB of computer graphics.
• Storage: The storage units basically stores all the computer data and instructions. You can choose among the SSD or HDD storage units. You must know the amount of space you need and get the laptop with adequate storage.
• RAM: RAM is the acronym for Random Access Memory. It holds all the data in the primary memory. Different laptop computers have different types of RAM. You can choose among 2GB, 4GB, 8 GB, 16 GB, 32 GB, 64 GB and so on. You will get higher units of RAM at high prices. Laptops with higher GB are ideal for CAD, graphics and high-end computer games.
• Touchscreen: Modern laptops have the integrated touchscreen technology which makes it easier to operate those using fingers. Generally, such laptops are a bit costlier.

Software: There are different versions of operating systems available in the market. Some of the popular ones are Macintosh, Windows, UNIX, and Linux. All these operating systems are highly robust and perform efficiently. Macintosh can only run on the hardware designed by Apple. Windows is an easy-to-use operating system which is flexible and caters to all the needs of individuals. Its simplicity and flexibility allow the beginners to operate laptops easily. Linux has different distributors such as Linux Mint, Ubuntu, and Ubuntu Mate. You can download Linux as it is a free source. If you are planning to buy a laptop, you must browse different brands of laptops. Check the specifications of different laptops along with their costs. You can even compare the cost and features of laptops across different websites. Make sure you choose to buy from a reliable dealer. You must even ask for the laptop accessories and after-sale-service if needed.

We often stumble across the word "bail" in news or our favorite courtroom dramas. But what does this word actually mean? In simple terms, bail is an amount that a defendant has to deposit to be released from jail. This money is imposed to ensure that the defendant will return to the court for further proceedings. The bail amount differs across cases and is decided by the judge. The money is returned to the defendant after the case is over. There are two types of bails, namely, cash and bonds. As the name suggests, cash bails are where one needs to pay the bail amount in cash. At times, these can be comparatively heavy on the wallet than bonds, as they have to be paid entirely in cash. On the other hand, bail bonds or surety bonds are contractual agreements where the bail amount is funded through a third-party or bondsmen as the bail amount charged is expensive, generally, for severe crimes. How to do bail bonds work? Like mentioned before, when the bail involves a big figure, defendants can approach a third-party or a bondsman to help them. Such businesses will charge 10% of the bail amount as a fee while they cover the remaining balance amount. The bail bondsmen draft an agreement to make sure that the defendant turns up in the court. In this contract, the bail bondsmen require the defendant to use a collateral in exchange of bail. Every bail bond agency is different, therefore, what would deem as a collateral will vary accordingly. Typically, an asset of significant value is accepted as a surety. The following are some examples of what can be used as a collateral:

• Bank accounts
• Credit cards
• Jewelry
• Real estate
• Stocks
• Vehicles

Both, the court and the bail bond agency, establish some conditions for the defendant’s release. The first being that the defendant has to appear in the court for future trials and hearings. Likewise, the defendant isn’t permitted to break any laws before the final verdict. If any of these terms are violated then an arrest warrant will be issued. The bail bond agency, on the other hand, will ask the defendant to surrender their collateral temporarily. If the defendant doesn’t show up for court proceedings, the agency will have all the rights to track them down. Moreover, if the defendant is nowhere to be found in the next six months, then they will be liable to pay the entire bail amount.

Women love to dress up. It is a myth that older women are not interested in looking stylish. In the modern era, women over 60 are more stylish and have better self-confidence. Not only do they dress well, but they also dress comfortably. If you are looking for dresses, then below mentioned list will help you pick the best cocktail dress for women over 60. Ericdress is known for their great variety available at affordable rates. It showcases the best and latest collection of cocktail dresses for women over 60. Here you can find the latest quality available at a reasonable price. They often run promotions and discounts and sometimes the dresses can be available at cheap prices. Macys is loved by one and all for its variety and affordable prices. Macys has something for every occasion. Offering beautiful elegant cocktail dresses for women over 60, the brand is an all-time favorite among the females. From dresses available in picks decked out in lace appliqués, embroidered necklines, fringe or color blocked designs, the brand houses names like SL Fashions, Xscape, Betsy & Adam, BCBGeneration, Ralph Lauren and INC International Concepts. If you want to look different, you can opt for eye-catching embellishments like jeweled collars, sequins, draping, and pleats. JJ's House offers the biggest range of super stylish cocktail dresses for women over 60. From A-Line/Princess Scoop Neck Floor-Length Chiffon Lace dress to Sheath/Column Scoop Neck Knee-Length Chiffon Lace dress, JJ'sHouse offers the latest design at affordable price. It offers dresses for women with different body types and delivers it at your doorstep. Debenhams promises to provide a fabulous style to match every occasion. Showcasing beautiful cocktail dresses for women over 60. With a wide range of stunning styles to suit every occasion, Debenhams has full-length maxi dresses, glamorous black numbers, and also offers fabulous shoes & beautiful accessories to compliment every outfit. Neiman Marcus is a celebrated designer known for offering cocktail sheath and lace dresses designed for the fashion-forward woman. With feature precise cuts and gorgeous necklines, the name offers a blend of classic styles with urban sophistication. The cocktail dresses are designed using high-quality fabrics and are quite comfortable to wear. The designer cocktail dresses for women over 60 are not loud and can be worn at any event, be it a social gathering or a wedding party or. Nordstrom is another chain that provides amazing cocktail dresses for women over 60. They offer the best cocktail dresses in tons of styles to match almost every taste. From designer collection to local labels, Nordstrom is loved by women for its chic design and excellent quality. The cocktail dresses are available in different styles, cuts and the variety offers something for different body type. They also have an amazing collection of accessories that can be paired up with the dress in order to give you that extra edge. Anthropologie is another brand loved for showcasing some amazing cocktail dresses for women over 60. Whether it’s your big night, or you are going for some special occasion, Anthropologie has something that fits every event. If you are here, you will not be confused as they have amazing pieces available in large sizes as well. Whether you're the sophisticated wedding guest or turning heads at your holiday party, you can breathe easy-these must-have dresses will make you the talk of the event. Their elegant maxis, cocktail dresses and structured sheaths look amazing on everyone. Talbots offer day to night dresses that are designed to be dressy and are stylish enough for a night out. They have perfect special occasion dresses for every event. Talbots offers evening wear together with wonderful high quality at a reasonable price. They provide the most affordable, up-to-date, perfective goods that suit just any occasion.

Eating disorders are a serious health concern that can affect anyone at any point in time. In fact, 70 million people in the country suffer from eating disorders like anorexia nervosa, bulimia nervosa, or binge-eating disorders, and these wreak havoc in their lives. Often, such conditions are underplayed by saying that the person “eats too much” or “eats too less”, which according to a majority of the population, is not a serious issue. However, these eating disorders, when left undiagnosed, bring people to the brink of death, and the decline becomes quite evident toward the end when it's too late to seek help. Eating disorders require immediate attention, and people can receive the required help if they are enrolled in one of the eating disorder treatment centers. These treatment centers have programs that are designed to help people deal with their eating disorder by directly addressing the dangerous behavior. Moreover, the patients are taught effective ways to overcome the condition and the importance of proper nutrition. So, if you wish to enrol a loved one in one of the eating disorder treatment centers near you, you need to ensure that you are making an informed choice. These are some tips to help you choose the right one:

• You need to determine whether an in-patient treatment center would prove effective in your case or an outpatient center. The outpatient treatment centers are in hospitals or treatment centers and allow the patient to recover at their own pace at their homes. However, in-patient treatment centers admit the patient till they recover completely. The patient will be monitored by trained clinical staff, psychologists, nutritionists, and doctors. Such eating disorder treatment centers are meant for people with severe eating disorders.
• Another important factor you need to consider while researching the eating disorder treatment centers near you is whether the facility is accredited or not. Such treatment centers need accreditation from the Commission on Accreditation of Rehabilitation Facilities or the Joint Commission.
• The eating disorder treatment center will be as good as its staff, which is why you need to determine whether the staff can offer the best care. You can verify the experience and qualifications of the staff, and this includes the clinical staff, psychiatrist, nutritionist, psychologist, dietician, medical staff, and recreational therapist.
• Also, while choosing an eating disorder treatment center, ensure that the particular treatment facility offers an aftercare program. The aftercare programs are quite effective in helping the recovery process and aim to provide the much-needed support to the patients once their residential care ends.

These tips will definitely help you find the best eating disorder treatment center near you. However, if you wish to seek the best treatment for your loved one, enrolling them in the best treatment centers will prove to be incredibly beneficial. Some of the best eating disorder treatment centers are Aloria Health, Canopy Cove, Timberline Knolls Residential Treatment Center, Carolina House, Magnolia Creek, and Center of Hope of the Sierras. Tags- eating disorder treatment centers near me

If you have paid more taxes than you are liable to pay, the Federal Government will issue you a refund for the same. This mistake could happen when the employer deducts your taxes incorrectly. You are advised to check whether you are eligible for a refund or not. If you are, you will be issued a check for it within 21 days. How to check the income tax refund status Once you file the return, you may check whether it has been accepted or not. You may do this within 24 to 48 hours of filing your income tax return. If you have filed the return on time and are expecting a refund, you can check its status online. To check the income tax refund status, you need to have the social security number, the filing status, and the dollar amount of the refund at your disposal. You can use the online Where’s My Refund tool, as the system gets updated every 24 hours and is the easiest way to track your refund. In addition to that, you can also call the IRS and check the income tax refund status over a phone call. You may have to wait for a longer duration to speak with a representative. You also have the option of using the automated phone system and following the prompts whenever you make the call. The refund is issued within 21 days from the day you filed the tax return online, or within 42 days from the day you filed your paper returns. In case the refund has not been issued within these time frames, you need to investigate the reasons behind the delay. Why is my refund not issued? There are several reasons why you may not have received your income tax refund by the due date. One of the most common reasons for the IRS holding back the refund is the outstanding debt for the taxpayers. If you have an outstanding debt, the refund may not be issued to you until you make the payment for the entire amount outstanding. You can easily check your income tax refund status online and contact a representative in case of any queries. Most refunds are issued on time and will be dispatched within 21 days from the date of filing of the return.