Various cell phone companies offer senior cell phone plans at an affordable rate. But what an individual need is a cell phone service provider whom they can trust. Thus, the AT&T senior cell phone plans. AT&T, the American multinational telecommunications conglomerate, is the world’s largest telecommunications company. The telecom giant offers unique cell phone plans for seniors who are 65 years or older. The plan from AT&T is called the Senior Plan and can be availed at a just $29.99 per month. Some other details to bear in mind before purchasing the plan include the standard features that are a part of the scheme, the length of the contract, phone requirement and the activation charges and additional fees. Specifics of the Senior Plan by AT&T The core details set this plan apart from plans by other wireless network carriers: Minimum Age Requirement: The applicant should be at least 65 years or older. Producing a proof of age is mandatory. Restriction on devices: Only basic phones are supported in this plan, no tablets or smartphones are included as a part of the scheme. Cost: $29.99 per month Free airtime: 200 minutes Anytime Minutes charges: 0.45 $ per minute Night and Weekend Hours: Additional 500 minutes on weekends and weekday nights Long Distance and Roaming: No charges Messaging and Data plan: Not part of the scheme As a part of the system, long distance calls are included and can be made from anywhere within the United States of America, Puerto Rico, and U.S. Virgin Islands. Charges on roaming networks are not applicable if the network is within the coverage area of the land-based systems anywhere in the 50 United States, Puerto Rico, and U.S. Virgin Islands. Long distance international call rates may vary. Additional charges are applicable for services availed outside the U.S., Puerto Rico and U.S. Virgin Islands. The plan also has the concept of rollover minutes which are the unused free minutes which can be carried each month for up to 12 billing cycles. This plan also has Unity minutes which allows unlimited calls to and from AT&T wireless, home, and business customers Standard Features of AT&T senior cell phone plans. The Senior Plan supports multiple features like

• Free mobile-to-mobile talk time
• Three-way conferencing
• Call forwarding, Call waiting and Caller ID
• Voicemail

There are many professionals and self-employed people that like to have their offices just adjacent to their houses. In this way, they would stay connected with their families all the time and save on unnecessary traveling from office to home. Some professions don't require large offices at least, to begin with. To make these spaces presentable and effective, aspirant buyers can look for best home office furniture online. There are some basic requirements in these small office spaces, that can be easily fulfilled through shopping online for furniture. Seating Arrangements: Usually, the home office would consist of the owner, one or two assistants and some occasional visitors that may stay for some hours for discussions related to their requirements and any services they require. So, for the people continuously working in these offices for throughout the day; some rolling chairs, executive chairs with proper cushioning and adjustable height would be enough. So that they would sit comfortably and work for long duration without being exhausted. For the occasionally arriving guests for inquiry and some discussions, a sofa set with an arrangement for five people sitting together and a teapoy for placing papers, laptops and writing pads to take some notes is sufficient. Working desk: As per the requirement of the person working, aspirants can choose different styles, designs, materials, and colors of working desks. Some of the working desks would be simple and plain where the person can keep his or her laptop and writing pad.Other desks would be specially made to accommodate a personal computer on it. The monitor would be kept on the top portion; there would be a separate flat opening for accommodating keyboard and mouse, the CPU and some other things like the power inverter can be kept on the shelf at the lower end. Other types of working desks may have lockable drawers on one side. Thus the person can keep important things such as the keys, check books, passbook, and some office stationary in the drawers that would remain within reach of his hands. Some working desks for the corners of the room can have storage arrangements through some racks in the upper area. In this design the working area on the surface would be restricted; however, some important things would remain just next to the eyes of the person. Illumination arrangements: We can buy some reflectors or even table lamps if the illumination specifically for a desk would be required in the home offices. Some lighting arrangements can be a part of the home office furniture such as some stands, pedestals, and wall mounting arm,  that would have a reflector and adequate capacity of LED lamp mounted on them for better energy efficiency. So, what is your favorite spot in your home office and how did you decorate it?

Homeowners who have taken a home loan often consider the refinancing option to ease their burden of repayment. Refinancing is an option many consider when they can no longer persevere with the repayment of their home loan. In some cases, refinancing can prove to be a boon, while in some, it can be a disadvantage. When refinancing a home mortgage loan is done for the right reasons, the homeowners can benefit from it. To make refinancing work, one must know when they should do it. When there is a lower rate mortgage available, refinancing can be a good option. However, there is a cost to refinancing, which should be considered along with the new monthly payments one would be making after refinancing the loan. If refinancing is not more than $2000 and makes your monthly payment drop by $150 or more, then it can be a right move. When the major portion of a jumbo loan has been repaid by someone, they can qualify for a lower interest rate by refinancing their loan even when the interest rates haven’t decreased generally. Financial advisors often advise people to not opt for refinancing before their prepayment penalty period gets over. Cases where people elect refinancing option before their prepayment penalty period ends often end up paying a penalty to their lender. Refinancing often does not make sense if the homeowners are not living in the house unless the interest rates after refinancing are going to be significantly less. There is often an eligibility criterion to apply for refinancing. Those who wish to refinance are required to have a good credit score. With a poor credit score, getting the home mortgage loan refinanced can be arduous. Refinancing a home mortgage loan should always be done after consulting a financial advisor or someone who can guide well when it comes to personal finance. Refinancing can either make one save money or end up paying more. To make sure refinancing will help one pay less, meticulous calculations should be done. When refinancing the home mortgage loan makes complete sense, one ought to conduct a good research on all available lenders for refinancing. Here are some banks that offer the best refinance mortgage loans. Quicken Loans This lending company has an A+ rating with the BBB. Customers are provided with one of the best industry-leading online refinance tools. Quicken Loans has won an award for client servicing, hence, can prove to be a good choice for someone looking for refinancing. The minimum credit score Quicken Loans require is 580 for FHA. J.G. Wentworth Homeowners can find low mortgage rates with this company. The FHA minimum credit score required is 580. The customers will often find a wide variety of mortgage refinancing options that also include cash-out and debt consolidation. LendingTree LendingTree is not a lender, but it leads the customers to the right lender. The rates Lending Tree has to offer are often the lowest in the market. Customers can compare quotes from up to 5 refinance loans in no time. The FHA minimum credit score a homeowner must have is 580. CrossCountry Mortgage Homeowners who are seeking refinance loans can get it in 21 days. The company offers rate, term, and cash-out loans. The FHA minimum credit score required is 580. Homeowners can modify their loan term and have multiple refinance programs to select from. There are many options other than the ones mentioned above. Some of them include Rocket Mortgage by Quicken Loans, HARP Quiz, Lending Home, AmeriSave Mortgage, loanDepot, Veterans United Home Loans, Bank of America, and Wells Fargo. To settle for the best home mortgage loan refinance option, it is advised that homeowners compare their refinancing options. There are several websites that can help one compare and learn more about all available refinance loans such as Bankrate, NerdWallet, Wells Fargo, Zillow, The Simple Dollar, Consumers Advocate, and more.

A chronic condition, ADHD (attention-deficit/hyperactivity disorder) affects children and typically continues into adulthood. It is characterized by three groups of symptoms known as hyperactivity, lack of focus, and impulsivity. Some of the common ADHD symptoms are disorganization, making careless mistakes in simple tasks, difficulty while paying attention, forgetfulness, distraction, restlessness, being excessively talkative, fidgeting or squirming when made to sit in one place and moving around all the time. Parenting tips for managing ADHD symptoms ADHD can’t be cured, however, with proper medical treatment its symptoms can be managed very well. Doctors can prescribe drugs like stimulants and antidepressants. However, it is vital that parents personally administer their child’s medications as there might be a risk of abuse and addiction. Moreover, doctors might also recommend parents and children with counseling and behavioral therapy as it will allow them to explore and resolve any communication barriers and negative attitudes. Apart from professional assistance for ADHD, parents should also implement the following behavioral and supportive methods to motivate the child.

• Create a loving environment for your child Every child deserves an affectionate and safe environment. However, kids with ADHD symptoms require extra care as they are extremely sensitive. Therefore, refrain only admonishing their negative actions, instead, try frequently appreciating them for their talents and positive actions.
• Embrace simplicity while communicating Often children with ADHD can get easily upset with quick or multiple commands and heaps of information. Therefore, while directing them, give them your entire attention. Moreover, make it a point to maintain eye contact, and be slow and specific about the instructions.
• Discipline them Parents must convey the difference between right and wrong, and the consequences for every action. To make this work, observe their behavioral patterns during difficult situations. Make sure that you are persistent about the aspect of reward and punishment so that, they can work on their behavior and social interactions.
• Be calm If your child gets out of control, then don’t lose your temper as they will most likely react negatively. Instead, allow them to express their emotions. When they notice your calmness, they will too regain their cool.
• Maintain a regular schedule for everything Right from meals to bedtime, follow a regular timetable. Children with ADHD can have a hard time adjusting to sudden transitions or new schedules, therefore help them realize these changes in a gentle way. Also, ensure your kids get adequate rest and sleep to avoid the aggravation of their ADHD symptoms.

Washers and dryers are must-have appliances in every household. But with so many brands and models available these days, simply making the choice to buy one can be quite overwhelming. You can read through lists of top 10 washers and dryers or check consumer reviews on comparison websites to make your decision. Both of these are good things to do before you make a major household purchase. But since needs and incomes of every family are different, it makes sense to also look for features and quality parameters to make your selection. Here is an easy checklist of features for washers and dryers. Washing capacity Every year, major household appliance companies, add new washing and drying features in their machines. But not all families need to shell out for features that they might not need. A family with young kids may need a washing machine that removes stains effectively while also keeping the fabric safe. Same applies for professionals who have to spend lot of their time outdoors in dirt or factory floors. LG pair special, which is a top-load washer and dryer set, is a good option for those who need a quality machine with extra power. For tough stain removal, many brands now offer washers with steam-washing features. If you need to do laundry quite frequently, you might need a machine with a quick wash feature. Drying ability A machine's drying ability is equally important as the washing capacity. While all dryers dry clothes, a poor quality machine can excessively suck the moisture from fabrics and reduce its lifecycle or cause damage to clothes. Now dryers come with moisture sensors that stop the machine from over drying the clothes. LG offers a large washers and dryers range that not only provides powerful washing and drying features, but also moisture sensors and a super-efficient design. Some dryers keep the fabric from wrinkling, which can be an important criterion. appliance selection, especially for busy parents. You can also purchase a dryer with different settings for each fabric type. Capacity Capacity of a washer and dryer is a very important feature to consider when you are looking to buy a new machine. If your family is large, you might need a machine with extra load capacity. Maximus range from Electrolux is a good option here. Maytag MGDB855DW0 is a dryer with extra-large drying capacity. You also need to consider the capacity for restriction or availability of space in your home. Standard machines are usually about 25-27 inches in width. But if you want a washer or dryer with large capacity, it can be 3-4 inches more widthwise. Washers and dryers from brands such as LG, Electrolux and Maytag almost always feature in lists of top 10 washers and dryers and also garner good consumer reviews. You can look for the above features with your preferred brand and see if they fit the bill in terms of your family needs and budget.

When you think of sturdy cars that will last you a lifetime, one of the brand names that comes to mind is Volvo. Volvo offers a wide range to its customer base with options ranging from sedans, SUVs, wagons, and crossovers. What’s even better is that we now have new 2021 Volvo car deals with never-before-seen offers and exciting options. We have listed some of the offers that you can avail of. For updated information, do visit Volvo's official website.

Finance offers
Volvo is offering you 1.99% APR for different time limits with options starting at 24, 36, 39,42, 48 up to 60 months. This offer is available for qualified customers who meet Volvo Car Financial Services (VCFS) credit standards. The down payment may vary for different models and will also depend on your credit qualifications. This offer is available for select models and could vary from location to location. To understand more and check your eligibility, connect with a dealership near you.

Cash offers
On certain models and at the discretion of some dealers, Volvo is offering cashback up to $2750. Some of the cashback offers are applicable only for those looking for retail purchases and not for leasing the car. But don’t worry, Volvo does have different loyalty, affiliate, and allowance offers for those interested in leasing the car. Eligibility is a critical factor in this deal. Speak to your closest dealer and check if they are giving you this benefit.

Lease offers
If you aren’t sure about purchasing the car and want to lease it for some time before you decide, the 2021 plan of new Volvo car deals will benefit you. For certain models, the company has waived off security deposits. They have offers on lease and loyalty bonuses. The company does have certain conditions and criteria that have to meet. For instance, buyers need to be US citizens, the offer is not transferable, and that vehicles purchased or leased under the Overseas Delivery (VCIC) program are not eligible for these certain benefits. For further clarity, you should speak to a representative or check the company’s website.