Everyone has a checking account. It's an easy way to manage your money. However, these accounts generally don't pay an interest on your money. Saving accounts are bank deposit accounts that pay you an interest on the money that you deposit. Savings Accounts There are a few different types of savings accounts you can choose from: Regular Savings Accounts These are deposit accounts that you can set up in banks, They are insured by the FDIC so your money is quite safe. Savings accounts have minimum balance requirements. they don't let you withdraw money from them as easily as a checking account. These accounts are meant to be your savings, after all, not fund your regular expenses. Some accounts might let you write checks a few times a month. Interest paid on savings accounts are generally low, around 0.06%. Online Savings Account These accounts are offered by traditional brick & mortar banks and online only banks. Generally, online banks offer a higher rate of interest than traditional banks, since they don't have the large overheads that are involved in operating a traditional bank. These accounts are more flexible about minimum balance requirements. You can operate these accounts online or through the phone. The interest rates on online savings accounts can be above 1%, especially if the balance is high. Some savings accounts, both regular and online, can offer higher interest rates based on how much you deposit into the account. Money Market Deposit Accounts These are different from regular savings accounts from the perspective of the bank. Usually, banks can only loan money in savings accounts to their customers. With Money Market Deposit Accounts, banks can invest these deposits in debt instruments like treasury notes, municipal bonds, certificates of deposits, and other securities with short maturity periods. The minimum balance requirement tends to be higher on these accounts when compared to normal savings accounts. Your money is safe since the deposit is backed by the FDIC. These investments yield higher returns, so the interest rates on these deposits are higher than regular savings deposits. But they're not as high as the interest on online savings accounts. As of March 2017, the highest interest rate on a money market deposit account stands at 0.85%. Certificates of Deposits(CD) These are deposits made for a fixed term, and the interest accrues on the deposit until maturity. These deposits are generally made for periods that range from one month to five years. There's a penalty for early withdrawal of money from a CD. Interest rates on these deposits can be a lot higher than regular savings accounts. The current average being 0.79% APY. One online bank, Capital One 360, offers a rate as high as 2.30% APY on 60 month deposits. Automatic Savings Plans These facilitate regular savings. You decide how much you'll transfer each month from your checking account to the savings account. Then you'll set up automatic transfers of a fixed amount to the savings account each month. These accounts help you save funds for vacations, buy appliances etc. Savings accounts may not yield as high a return as other investments, but they're a good way to provide security. You can build cash reserves for leisure and emergency requirements through this method.

Slow cooking tends to bring out the flavor in most meat cuts and even vegetables. Often the subtle benefits of slow cooking go unnoticed and people only see it as a cheap and easy alternative to traditional methods, like baking and frying. Slow cooker recipes do not require a lot of supervision, wherein all the ingredients simmer over low heat to be ready in four or five hours. This also reduces the risk of burning or overcooking the ingredients. But there are more benefits of slow cooking, which can be divided across the various ingredient that go in the recipe. Be it your pot roast or chicken stew, the traditional recipes can be easily modified for slow cooking. Health benefits of slow cooking pot roast: One of the main advantages of cooking over a low flame is that the ingredients used in the recipe, retain their nutritional value which might be otherwise lost in traditional roast, oven or grill recipe. Slow cooked beef or meat not only retains the flavor, but also manages to absorb all the nutrients from the other ingredients and vegetables that complement the recipe in the broth. Vital minerals, vitamins, nutrients, amino acids which are all beneficial for maintain the overall body heath are preserved this way. Tough cuts of meat used in the recipe are also low in fats, which help cut down the overall fat and calorie content. These tough meats can be prepared only in a slow cooker to yield the best possible results. Health benefits of slow cooking chicken: Slow cooking chicken over time prevents cancer causing toxins to develop which are a high chance in other traditional methods. Grilling and other methods produces glycation from burnt meats, which is the toxic reaction. Slow cooking does not allow the toxins to develop since the meat is cooked over a low flame and chances of overcooking or burning the meat, is the least of your concerns. Slow cooked recipes are beneficial for overall heart health as the main amino acid taurine, which is responsible for cardio vascular health is preserved this way. The other advantages include minimum use of processed ingredients and foods which can be beneficial for the overall health. Processed foods contained considerable amounts of sodium, fat, calories which will only add to the overall carbohydrate and calorie count in the recipe. Using all natural ingredients or organic ingredients, which can be easily substituted in a slow cooked recipe for readily available ingredients and canned foods ensures a healthy recipe.

Cellphones have become a vital part of our modern day lifestyle. Whether you are a college student or a working professional, you need a cellphone to stay connected with your friends and clients as well. With the advancement in mobile phone technology, various telecommunication companies now offer long-term plans with benefits for consumers. However, it is not important that a high school student will be able to afford a phone plan as well as a working person does. Having a prepaid cell phone implies freedom from undue additional payments and limited calling time. Simply get your phone recharged with talk time or internet service coupon and you are good to go. Postpaid plans might save users with the hassle of getting their phone recharged every time their talk time runs out, but the hefty fees levied on using extra minutes make prepaid a preferred choice for many people. Given below are some of the benefits that a prepaid cell phone offers to the customers in comparison to a monthly plan. You spend less on phone bill Do you need a cell phone to just show off to friends or only for emergencies? If the latter is your preferred choice, then a prepaid phone is the best option for you. No more worrying about paying a hefty bill at the month end from your salary or college expense, prepaid cell phone take care of such inconveniences. A number of companies provide flexible pre-paid plans for consumers which can be customized. So, no need to worry about your phone connection getting discontinued owing to late phone bill payment. Pick the phone and chat with your friends without worries. Safe for your children With the increase in smartphone and social media addiction, it has turned into a debate whether to give your child a smartphone or not. If you are a parent, then it is a good idea to give your children a simple prepaid cell phone to stop them from being consumed by the online world. Here, prepaid cell phones help a lot as it helps you keep track of your child’s cell phone use. Save money on both phone and connection plan Prepaid cell phones are the best option if you are looking for a device that lets you connect with your loved ones. Moreover, with simple services you do not need to purchase an expensive smartphone or have a monthly bill plan. A prepaid plan offers many great features, and you can find the plan that suits your budget and need with ease. Flexible Income The hardest part of having a monthly plan for your cell phone is that you are bound to pay a fixed sum every month, whether you like it or not. The disadvantage is that if you fall into a financial problem, you still have to arrange the money to pay the bill. Hence, having a prepaid cell phone is the best choice for you to avoid paying a hefty amount from your pocket. Simple Life We are living in the digital era where everyone wants to stay online 24*7, even if they have to compromise on spending some real time with friends and family. However, there are still people who have a home landline connection, and at times it becomes essential to have a phone to call during emergencies. What could be better than having a prepaid cell phone with calling and messaging features to accomplish the task for you? Worried about Privacy You might not realize it, but a smartphone with top features and a monthly plan is a goldmine for a hacker. However, if you have a prepaid cell phone with simple features of calling and messaging, then this concern can be cut-off from the list. Also, prepaid cell phones with simple features are the best for those concerned about their privacy. Hence, having a prepaid cell phone has its set of benefits if you are looking to stay away from paying hefty fees every month for staying connected.

A cough is a way of reacting to any kind of allergy that a person's immune system reacts to. When an irritant or allergic substance comes in contact with the lining of nose, throat or lungs. The constant urge to cough can be extremely irritating and cause pain in the chest. Although it is essential to visit the doctor if the problem persists for long, here are several kinds of foods that will help treat a cough. A saltwater gargle - This one of the simplest remedies that your grandma often swears after. With amazing effects, it is no wonder that this remedy has been followed through for years now. A mixture of water and salt, this liquid soothes the itchy throat, whether caused by an allergen or even cold. Add one teaspoon of salt to a glass of water and gargle. You will instantly feel relieved. Consume fluids - If you begin you experience an allergy cough symptom, immediately drink water so as to clear your throat. Moreover, it is necessary to keep the body well hydrated as it helps in draining the mucus that mainly causes coughing. You can also consume fluids in the form of warm broth, fruit and vegetable juices, etc. Inhale steam - When the nasal is congested due to an allergic irritant, you are likely to suffer from repeated coughing. Relieving the congestion in the nose will help in reducing allergy cough symptoms. The easiest way to do this is to inhale steam from a pot of hot water. Place your face a little away from the pot and use a towel to prevent the steam from escaping. Honey - Honey has been around for more than a million years and believed to be on of the best remedies to cure a cough. It is also used as the primary ingredient in several over the counter medicines that are meant to cure a cold. All you have to do is mix a tablespoon of honey with hot water and you will find that the allergy cough symptoms subside. Thyme tea - Thyme is a herb that is widely used in treating respiratory diseases. It comes with great benefits and has culinary as well as medicinal uses. The beneficiary elements in thyme can relax the muscles of the throat and reduce the inflammation caused by allergy coughs. Boil some thyme with a cup of water and consume it after a while. Although these remedies are great, make sure that you determine the source of the allergy and eliminate it if possible.

Having a mobile phone is important these days. Buying an expensive or an economical cell phone is a choice. For almost a decade, the best prepaid phones have become really arranged and ordered. It is even better with the number of services on data and talk time, be it unlimited 4G data or overall talk and text. MetroPCS has the best prepaid cell phone deals that are economically good and quality wise best on the coverage and range as well. MetroPCS is owned by T-Mobile and there are almost no complaints about the coverage and the data speed. Having a combination of traditional mobile plans and the flexibility of a prepaid current service is a boon. This might not be the most economical option on basic plans. They even provide music streaming like Apple, Spotify and video streaming like Pandora, iHeartRadio etc. Individual prepaid cellular plans range from $30 to $60 every month and family prepaid plans range from $100 to $160 every month. If you are looking for a wireless hotspot service, you can top up with $10 every month. The best prepaid cell phones deals have a download speed of around 22.1 Mbps that is quite amazing compared to the 8Mbps that other mobile plan carriers provide. After completing 30GB of net usage, the speed will start slowing down but you can still use unlimited data before the billing cycle. US Mobile is another cheap prepaid cell phone service that is a good option too. The basic plan for this best prepaid cell phone deal is a $5 per month for 100 minutes talk time. They have customizable configurations so you need to learn the basic phone options to use this. You can top up every month based on your usage pattern. They are budget phones and have a 30-day trial pack for free. If you do not like it, you can ask for a full refund and get another best prepaid cell phone deal. They even provide sim cards to students who are in an urgent requirement of a budget phone. Boost Mobile is another one of the best prepaid cell phones that are best for a family because they are affordable. They have unlimited talk time and many plans that can be customizable as well. They operate on the Sprint network which has been reviewed as one of the weakest cellphone carriers. If you are a family which stays in an area that has great Sprint coverage, you should go for Boost Mobile that has unlimited 2G data or you can go for 3GB of 4G LTE that costs around $5 every month.  

The number of people who are working from a virtual office has proliferated by almost 80% between 2005 and 2012. Collaboration tools have become indispensable in this scenario, getting people together from all parts of the world, increasing productivity, encouraging teamwork and creating synergies and efficiency.

Listed below are some major pros and cons of collaboration software.

Pros

• Enabling remote working: Collaboration software allows companies to bunch the best-suited people for a project regardless of their physical location using just the internet. Members can become efficient and increase productivity by not being chained to desks. For example, the versatile Slack runs on mobile apps and web browsers.
• Ease of reporting: Collaboration software can quickly generate detailed and updated project reports by assimilating data quickly. This helps team members in not losing track of activities and helps them during reporting time, saving energy, money and time. Asana, Liquid Planner, Basecamp and Teamwork enables viewing of regular progress report using tracking tools and to-do lists.
• Document collaboration: The e-mails being sent back and forth can stop once collaboration software comes into the picture. For instance, Cloud-based collaboration tools allow documents to be easily edited and uploaded, immediately alerting other team members of the same. This ensures that the latest version is available without confusion, allowing changes to be reflected instantly and work flow to be organized and rendering external storage unnecessary.
• Time saving: Collaboration software allows for real-time conversation to take place without wasting time searching for e-mails, etc.

Cons

• No project management tools: Popular collaboration software such as Google, Asana, Sococo and Slack do not offer tools for project management, which will go a long way in maximizing the team's productivity.
• Steep costs: When one collaboration software doesn't cater to all nitty-gritty needs, costs spike. Moreover, training costs are incurred to train members to use the tool.
• No communication tools: Some collaboration software lack a comprehensive cluster of basic communication tools. For example, Slack doesn't have an away or idle option for an inactive member, Sococo doesn't feature spellcheck or file sharing and Basecamp.
• Privacy policies: Not all collaboration software rank high on privacy. One of the popular features for strengthening security online is the two-step authentication. The ones such as Teamwork and Asana, which otherwise have great collaboration features, lack a two-step authentication during sign-in.