So, you’re on a tight budget and are looking for a phone that’s packed with the latest features. Do you think this is a close-to-impossible task with disappointing results? Don’t give up so easily! Finding this combination is similar to searching for a needle in a haystack; however, the needle definitely exists. We have done the grunt work for you and shortlisted four low price cell phones that are feature-rich and power-packed.

• Moto E4

You couldn’t get a better deal than the Moto E4. From a classic candy bar frame, this baby packs a stupendous performance with a built-in MediaTek MT6737 Quad-Core processor, 2GB RAM, and a stable 16GB of internal storage. Released in June 2017, this phone incorporates cutting-edge features like the fingerprint sensor and Android 7.1.1 Nougat. This is one of the most competitive low price cell phones available in the market.

• Blu R1 HD

This one’s a real steal. It is packed to the walls with great hardware and software features like the Android 6.0 Marshmallow, Quad-Core 1.3 GHz Cortex-A53 processor, and a 2GB RAM that renders an amazing performance. It also has an 8MP front camera with an aperture of f/2.0 and autofocus function. All for the modest price of USD 100.

• ZTE ZMax Pro

While 2016 was not kind to us, it did leave behind a few good things, and the ZTE ZMax Pro is one of these. Ranking high among the low price cell phones, this beauty is available in sleek dimensions of 165.1 x 83.8 x 8.9 mm and has a brilliant 6-inch IPS LCD protected by a Corning Gorilla Glass 3. Don’t be fooled by its slim design, this baby packs a jaw-dropping performance with hardware like the Snapdragon 617 Octa-Core processor, 2 GB RAM, and 32GB of internal storage. USD 100 seems unreasonably cheap for this baby.

• Alcatel A50

Yet another gem among the plethora of low price cell phones, the Alcatel A50 presents an immersive 5.2-inch display that supports resolutions of 720 x 1280 pixels. It is equipped with a 1.5GHz Quad-Core MediaTek MT6738 processor and a 2GB RAM that contribute to a robust performance. This one’s a must-have. Price does not determine quality. And the four phones above reinforce this statement amply.

Banks and financial institutions may sound the same, but they're two different entities that work in different ways. They can be classified as banking financial institutions, or banks' and nonbanking financial institutions. These are called financial institutions. On a top level, banks are commercial entities whose role is to accept deposits and give loans. But financial institutions like investment banks, insurance companies, and financial firms are more inclined to offer various services schemes and plans to their customers. Banks Middlemen Banks are banking financial institutions that function as middlemen. They connect depositors to lenders. A bank's basic workflow is to accept deposited funds, and then lend these funds to customers who need it. A bank's customers are generally people who want loans for various reasons. This can range from investment, education, or personal purchases. Payment Agent Banks have another function to perform. They act as a payment agent. They offer payment services like debit cards, credit cards, cheques, cash deposits facility, and draft facility and more. People deposit money in banks for three primary benefits safety, income through interest, and convenience. The deposit is the money that the bank uses to generate revenue. The volume of these deposits decides the capacity of the bank to lend funds. Alternatively, a bank invests these deposits in assets or financial securities too. Financial Institutions Financial institutions are non-banking institutions. These include investment banks and companies and firms that are into leasing, insurance, investment and financial services and schemes. They work across a more wide range of financial sectors like Service to corporates: Underwriting debt, share conflicts, security trading, business investments, company advisory services and derivative transactions as well. Protection schemes: Insurance companies offer schemes and service against potential losses. Investment and Pension: Mutual Funds and Pension schemes provide retirement plans and long-term saving returns. Investors are allowed to invest in these funds and then receive an interest income on returns. Leasing: Leasing companies make huge capital available for large investments. This includes real estate purchases and costly equipment purchases. To Summarize The Differences Banks are middlemen between depositors and lenders. Financial institutions are more service providers than actual banks. Banks generate revenue by the interest they earn on the loans they lend. Financial institutions generate revenue through a more complex procedure. This includes fees, commissions, premiums, and installments. Banks can accept deposits, non-banking financial institutions cannot. So, they create other schemes and services. Banks are a safer place to deposit funds and savings. Non-financial institutions are for income, retirement, and investment. The difference between banks and financial institutions is something that not a lot of people are aware of. But this is important since if you're looking to save or invest money, that's something that you should be aware of. If you're someone that is looking to either save your money or try and invest it such that you're ready for an early retirement, then you'll need to know the differences between the two. It can make a world of difference.

Gout foot pain is characterized by sudden swelling, redness and severe pain in the big toe. The condition develops due to crystallization of uric acid in the joint space. Medications such as Allopurinol which reduces the build-up of uric acid in the blood and pain killers such as Ibuprofen which provide symptomatic relief from pain are usually prescribed to patients with this condition. However, for effective long term pain management and to reduce the intensity and frequency of the episodes of gout foot pain certain changes in diet and lifestyle are advocated. These are:

• Eliminating foods which contain high fructose corn syrup as it causes the production of uric acid in the body predisposing it to attacks of acute gout foot pain.
• Avoiding alcohol as it reduces elimination of uric acid from the kidneys. All types of alcohol have been associated with acute exacerbations.
• Reducing intake of protein rich foods like sea food, organ meat, and vegetables such as mushrooms, spinach, and asparagus. Most protein rich foods contain purines which are metabolized to uric acid.
• Include cherries, bananas, and strawberries in your diet. They are rich in Vitamin C and antioxidants which help in combating inflammation.
• Drinking adequate water will ensure elimination of uric acid from the kidneys.
• Regular exercise will help in faster recovery from attacks of gout foot pain as it helps to build stronger bones, muscles, and joints. Moreover, it will help to maintain ideal body weight.

A few simple steps could help to ease pain and swelling during flare up of gout foot pain. These are;

• Reducing heat by immersing the foot in cold water for 15 minutes. Avoid direct ice packs for a long duration, as they can precipitate uric acid crystals.
• Elevating the foot to reduce the swelling.
• Taking over the counter medication like Advil to manage the pain. Never take Aspirin as it may worsen the symptoms.
• Keep drinking water during the attack to flush out excess uric acid.

Contact a doctor as soon as possible as early treatment during an attack will reduce the duration and severity of gout foot pain.

Are you planning on buying bathroom curtains? Do you know what type of curtains will work excellent in your bathroom? Do you know the right option? If your answer is "NO" for all above questions, then you should know about the best type of curtains for your bathroom. Yes, choosing the right bathroom curtains is a daunting task, and people often commit some big mistakes in it. But, after knowing the best type of bathroom curtains, you can choose them in few minutes without any confusion. Isn't it great? Of course, the right knowledge will save your time and money as well. There are many options of bathroom curtains available in the market, which allow you to choose from thousands of options. The variety of options can leave you confused. But, you can take a wise decision by following few considerations. First and the most important thing to consider is that the curtain is actively moist and bacteria resistant. It will make the surrounding of your bathroom clean and hygienic. The plastic polymer curtains are the best option for bathroom curtains because it comes along with lots of pluses. The bathroom curtains can be cleaned easily. Make sure that you choose a bathroom curtain, which you can wash by hand or machine easily. It will enable you to clean your bathroom curtains with ease. The best bathroom curtains come with extended durability. You don't need to replace them after a month. They can work excellent for a very long time. So, confirm that you choose bathroom curtains, which come with long life efficiency and provide you the best value for your money. Of course, no one wants to buy curtains for the bathroom every month. Apart from this, the colors also play a significant role in the look of your bathroom. Make sure, you choose quality curtains, which never fade away after a wash. The bright colors add magic to your bathroom. But, the faded and dull colors make your space look boring. So, never go with the low-quality printed bathroom curtains if you want to keep up the magic of your bath area. That's it! These are the few simple but essential qualities that every bathroom curtain should have mandatory. So, before buying curtains for your bathroom, match all these qualities first and then purchase the product. Besides, bathroom curtains, you can also go with bathroom mats to make your bathroom clean and attractive as well. The bathroom mats are also an excellent option to increase elegance. Got it?

What is a credit check? A credit check is an inquiry to assess your credit score which is a number that is given to you after assessing your current credit, liabilities, payment history and so on. Why is a credit check done? A credit check is normally required for a bank or any other financial institution that lends you money or offers you a line of credit to minimise their own risk. How are credit scores calculated? A credit score is calculated with priority being assigned to the following components: 35% - payment history including on time payments, delayed payments, penalties paid on delayed payments, foreclosures on loans etc. 30% - debt burden or liabilities – this assessment includes debt to limit ratio, balances in accounts, amounts owed in various accounts, amounts paid as instalments and so on 15% - length of credit history – this is calculated based on the average age of each account you own and the oldest account 10% - repeated requests for credit scores – if a large number of requests are made to check your credit score within a short specified period, it could lower your overall credit score, especially in the context of hard credit checks. However, most hard inquiries do not reflect on your credit score when they are over 12 months old. What is a good score to pass a credit check? On a scale that ranges from 300 to 850, given slight variations in the policy of different credit assessment bureaus, a score of 700 and above is considered a good credit score. Who can request a credit check? Credit checks are normally requested by a bank where you have sought a loan or a mortgage or by a card issuing bank when you have applied for a credit card. Some employers may also initiate a credit check a part of a routine background assessment to verify the trustworthiness of a potential employee. House owners may also wish to be informed of the reliability of a potential tenant and may also initiate a soft credit inquiry. You are also entitled to a free yearly report on your credit score which the three credit assessment bureaus operating in the country are mandated to provide.

Gold and silver have always been considered the ideal investment options. However, it is natural that an investor will wonder if it is worth the money. Silver does not carry the same gravity as gold which is why most people remain doubtful about the investment. Nevertheless, there are many reasons why you need to add silver to your portfolio. Silver coins are the best bet for first-time investors. They are convenient to store and sell. Apart from this, the three primary reasons why you should buy silver bars or coins are discussed below:

• It is real money Silver might not be a part of the currency market, but it is real money. Physical silver has as much value as gold. When you sell silver, you are going to make money on it. There is no risk associated with the investment and it has been used as money for years together.
• It is cheaper than gold Gold and silver are two commodities which appeal to most investors. However, buying silver coins is much cheaper than gold. It is affordable for an average investor and will help you build your portfolio. If you consider holding precious metals in your portfolio, you should begin with silver. It is also ideal for gifting purposes. So, if you do not want to spend too much, but want your gift to look appealing, pick silver coins.
• It is a practical investment As compared to gold, silver is not only less expensive to buy, but it is also ideal for everyday small purchases. It is a practical investment for those who have a long-term goal in mind. You may use silver coins to make purchases in the future. Since it is available in small denominations, you may sell it as and when the need arises. Silver is sold everywhere and it is easy to purchase and store as well.

Whether you are a first-time investor or a seasoned investor, silver coins are always good investment options. They are easily available in the market and are convenient from a resale point of view. Addition of silver in your portfolio will increase its value and diversify the same. Therefore, start with small denominations and increase the allocation over a period of time. Remember to study the market well and consider the several alternative investment options available for you.