If you're nearing retirement, or planning for the future ahead, saving up for your retirement is always a smart move. These are many finance savings instruments in the investment market these days. Income fund plans are one of the most beneficial, especially in terms of long term goals. Saving for your retirement doesn't need to be a chore; in fact, it can be pretty easy if you take the right steps. If you're looking for a couple of good income fund plans, read right on. These five popular income fund plans are categorized on total returns, return consistency, capital preservation, and low expenses. First Trust Morningstar Dividend Leaders Index (FDL) With a 20.27 percent 3 year annualized total return and a 3.22 percent 12-month yield, this one of the popular ETF plans. It ranks within the top twenty-two of the U.S. News Best Fit List. First Trust Morningstar Dividend Leaders Index usually invests 90 percent of its total assets in common stocks that comprise the index, which is tracked by the FDL. iShares Dow Jones Select Dividend Index (DVY) This plan offers a 3-year annualized total return of 21.06%. DVY helps track the iShares Dow Jones Select Dividend Index which comprises of the 100 highest yielding stocks in the Dow Jones U.S. index. This is screened for various criteria such as dividend per share ratios, five year average payouts and minimum daily trading volumes. Nicholas Equity Income I (NSEIX) This plan is ideal for those who aren't thriving risk takers and have low tolerance for high risks. Typically best suited for those who'd like conservative growth and fixed income on their returns in the long-term for their retirement plans. PowerShares HY Equity Dividend Achievers (PEY) Hailed as one of the best income fund plans since the financial crisis, PowerShares HY Equity Dividend Achievers takes a contrarian stance. Its expense ratio makes it a big premium in contrast to other popular dividend strategies in the market. Vanguard Equity Income (VEIPX) If you're looking for consistent and above average returns on your dividends, you'd be happy to know that the Vanguard Equity Income Fund (VEIPX) invests in the stocks of medium and large sized companies. Typically, the stocks they invest in return above-average dividends in the stock market's industry. They also tend to use multiple financial advisors and keep up-to-date with the market inflation and other financial crises to ensure consistency in their returns. If you're looking for something safe, consistent and for a plan that offers quality investment options, then this plan can be right for you.

A typically small kitchen in your urban quarters does not need to be a dampener on your gourmet spirit. Put the fun right back into cooking with these creative ideas which will make your kitchen look bigger and beautiful. Follow these tips mentioned below to know more. Opt for the color white Use this color to create an expansive feel even in the smallest of spaces. It’s a classic shade that’s never out of style and makes the kitchen look great as well. You can mix in metallic and wooden touches in your kitchen to complete the entire look. Try shallow cabinets If you thought kitchen cabinets come only in a certain size, then you need to have a quick chat with your nearest modular kitchen essentials supplier. Choose the size of your kitchen cabinets based on the size of your kitchen. So, that there is a proportionate look in the space, which will also make it look spacious. Cabinets that are too bulky make a small kitchen look even smaller. Say no to a double sink Almost all households have a double sink in their kitchens. However, if your kitchen feels tiny and less spacious, you may want to install a single big sink to make the space look large. Add a mirror Placing a mirror on one of the kitchen walls can create an illusion of depth and make your kitchen appear larger.  Try and use a tinted glass on the cabinet doors for subtle reflections. Go for glass door cabinets Not only do these cabinets put your beautiful looking utensils on display but also they are a great way of creating more depth in the kitchen. Install bright light Lightings near your kitchen cabinet or overhead LEDs can also make the kitchen look bigger. If you go for a dim or diffused lighting, it can cause the kitchen to look compact. Get smart and innovative with these design ideas to make your small kitchen look bigger than it is.

The world awaits eagerly for September to arrive as it is quite familiar with Apple’s trademark ritual of unveiling the most-awaited, latest Apple gadgets at an elaborate special event. Apple didn’t disappoint its extensive fan-following, and this Cupertino-based company lived up to its hype by releasing its new iPhones, Apple Watch Series 4, and the next generation iPad Pro at the Steve Jobs Theater, Apple Park on September 12th, 2018. The latest iPhones that were released at this event are upgraded versions of the iPhone X that was released last year. Though people are still in awe of the iPhone X, the various iPhone X variants—the iPhone XS, XS Max, and XR—have already appealed to the crowd’s sensibility with their incredible slimmed-down design, amazing camera, vibrant color variants, and affordability! The iPhone XS and XS Max are still the leading contenders in the “costliest iPhones race,” but the iPhone XR was crafted with the intention of combining all the incredible features privy to iPhones with cost efficiency. If these latest iPhones have made a lasting impression on you, and you wish to learn more details of these amazing phones before you decide to ditch your old phone and sport either of these variants of the latest iPhone X, keep reading. Fetching design: Let’s get this straight, all iPhones have similar designs, and the iPhone XS, XS Max, and XR follow suit. However, what sets them apart from the previous iPhones is that these phones are lighter, slimmed-down versions of their predecessors. The iPhone XS, XS Max, and XR don surgical-grade stainless steel, which is engineered by using a special Apple-designed alloy which creates structural bands in three finishes. Moreover, the gold and space grey finishes that the iPhone XS and XS Max sport are reflective and seamlessly complement the glass surface. The iPhone XR, the “bargain” phone in the iPhone lot, has deep, rich colors, and offers more color variants such as blue, white, black, yellow, coral, and red to its prospective users. Awe-inspiring display: Apple knows how to keep its fanbase hooked; the iPhone XS and XS Max boast of a 5.8” and 6.5” Super Retina custom OLED HD display, respectively; whereas, the iPhone XR flaunts a 6.1” Liquid Retina HD display. The only hiccups you’ll experience here is that Apple deprives its affordable iPhone of flaunting an OLED display. The iPhone XS and XS Max have an amazing 2436x1125 and 2699x1242 resolution, whereas, the iPhone XR has a resolution of 1792x828. The Super Retina ensures that you’ll have a beautiful and magnificent canvas at your disposal, and the custom-built OLED panels allow you to make the most of the HDR display as they enhance the viewing experience. The iPhone XR’s all-new Liquid Retina allows the display to stretch seamlessly to the corners and flaunts the largest LCD screen on any iPhone ever. Powerful cameras: Photographers and selfie lovers across the world can now rejoice; the latest iPhones XS and XS Max have taken photography a notch up by allowing you to make the most of the dual 12MP wide-angle and telephoto cameras equipped with Bokeh and Depth Control. The enhanced portrait mode will give you perfect candid pictures. Moreover, you wouldn’t have to fret anymore about clicking pictures in low light, as the powerful camera sensor features deeper, larger pixels that have the ability to improve the image fidelity. So, now, you can click amazing low-light photos without further ado. The iPhone XR camera is equipped with all the major camera functions of its more expensive counterparts, but the only setback this bargain phone experiences is the lack of dual wide-angle and telephoto cameras. The iPhone XS, XS Max, and XR are equipped with a 7MP TrueDepth front camera and this system has the ability to capture 3D information for Face ID authentication and Animoji. The front camera also features 1080p HD video recording, a wide color capture, Retina Flash, and a f/2.2 aperture. So, dear selfie lovers, you can now rejoice! Your face is the Key to the latest iPhones: The iPhone XS, SX Max, and XR are equipped with the Face ID, but didn’t the other iPhones have this feature as well? Well, the newest iPhones boast of a reinvented Face ID feature that includes some of the most sophisticated Apple technologies like the TrueDepth camera system, Neural Engine, and the Secure Enclave. All these factors, when combined together, offer the most secure facial authentication a smartphone can ever have! The astute A12 Bionic: The latest iPhones will be hailed for its sensational performance, and the credit can be attributed to the smartest and most powerful chip that can be used in a smartphone. The iPhone XS, XS Max, and XR are equipped with the A12 Bionic chip which introduces its user to a completely new level of intelligence. This chip has the ability to use real-time machine learning to change the way you’ll experience gaming, photos, augmented reality, and more. You will feel the screen coming alive! Prices: There’s no secret that iPhones are high-end phones that offer high-end technology. The iPhones XS and XS Max follow the trail of its predecessors and continue to remain the pricy phones that they are. The iPhone XS 64GB is priced at around $999, 256GB at around $1,149, and 512GB costs around $1,349; the iPhone XS Max 64GB costs around $1,099, 256GB for around $1,149, and 512GB costs around 1,449; and, the iPhone XR, which is the “bargain” phone in this lot costs around $749 for the 64GB variant, $799 for 128GB, and $899 for 256GB. With the iPhone XS, XS Max, and XR, Apple has once again sent the crowd in a frenzy, and this time it has widened its audience by appealing to the sensibilities of those prospective customers who wished for a more affordable iPhone.

When you are at a good position in the market, where finances are expanding, you need to control your money. It might seem easy, but the reality is a lot more than that. As with any planning, you'd need accurate strategy to save, invest and grow. You may think you can do it, but complexities grow over time. A financial adviser would not only not allow your money to stagnate, they'd ensure that you know how to invest it. Hiring a financial adviser can let you to be serious about your money. You won't procrastinate when it comes to managing your assets. You can start your watch for good financial advisers by conducting a research first. Check the 10 best financial advisers that you can find near you and see if they work out. You can start by browsing through the list of 10 best financial advisers in the country. By doing so, you can narrow down the possible characteristics each of them have. This lets you know what you're looking for. Once you've prepared a plan about what you need, you can start asking around your financial circles. You can approach other professionals and colleagues who'd know. Other than that, here are few points to remember before hiring a financial adviser: Look for Certification A Certified Financial Planner should be on the top of your list before you hand over your finances. A certification adds credibility to a person, because they need to have top notch skills. These skills ensure that a financial adviser knows what they're doing. You can use the Certified Financial Planner Board's information for accurate credentials. This step is important so you know a financial adviser isn't involved in any unlawful activity. Once you have a list of potential advisers, certifications can help. Other than that, you can make use of your local governing authority to get information. Fees and Charges Financial advisers have their own method of charging you. There are many costs and charges involved. You should be ready for all of this. There are generally three ways in which financial advisers would charge you. First would be flat rates/fixed charges, where they would cover a predetermined area. You would pay based on your needs. Second is on commission basis, where they tell you what is best for you. They may push extra schemes too. It's advisable to avoid commission based financial planners. Third involves ascertaining the percentage of your assets the adviser would be managing. So, you can opt for either a fixed rate or asset based financial management based on your needs. This lets you find someone who is not only affordable, but also ensures that you get the most for your money. They'll help with investing your money and keeping it growing.

Your task isn’t complete with buying a competent Stihl leaf blower. It’s just halfway through! There are several things you need to consider before your start freeing your garden or yard from the nuisance of leaves. Here are some effective tips to enhance your leaf blowing experience:

• Feel the wind

Use the leaf blower in the opposite direction as that of the flow of the wind. Also, work in one direction only. This will help you avoid accidentally blowing leaves into an area that you’ve already cleared.

• Safety first

You need to:

• Keep on your goggles to protect your eyes from flying debris, while using a Stihl leaf blower
• Use earplugs - This is because long exposure to a high sound frequency generated by a leaf blower can cause hearing damage.
• Put on shoes and appropriate clothing to get protected against flying debris.

Choose a suitable time Timing is important when using a leaf blower, a weed eater or any other power equipment. As leaf blowers are infamous for producing noise, you shouldn’t start using them early in the morning or late in the evening, as it can disturb your neighbors, which isn’t a good thing to do. Decide a dumping site for leaves (and other debris) Before starting yard cleaning operation, you need to decide where your leaves should land. You can set a tarp at the selected location if you’re planning to tow the leaves to a specific location, after you’re finished with cleaning. When using a compost pile, you need to divide it into sections to make the collection process more efficient. Use the right technique While using a leaf blower or any other Stihl power equipment, you need to use it in the right position. Place a firm grip on the leaf blower and point the front end at a low angle. Moreover, you need to use a back-and-forth motion while walking slowly holding the leaf blower. You can rely on Stihl gardening tools to clean your yard or garden successfully. Look out for sales and offers to bag effective gardening tools from Stihl, whilst saving some money.

If you are looking to purchase a smartphone soon, many offers are available in Huawei, Oppo, and Xiaomi mobiles in the market. Below are listed some of the smartphones from these companies that you can buy:

• Huawei Honor 7 This smartphone from Huawei mobiles was launched in June 2015. The 5.20-inch touchscreen display smartphone has a screen resolution of 1080 x 1920 pixels with 424 pixels per inch. This smartphone is powered by 2.2 GHz octa-core Hisilicon Kirin 935 processor and comes with 3 GB of RAM. The Huawei Honor 7 comes with 16 GB of internal storage that can be expanded to 128 GB with a microSD card. It has a 20-megapixel primary camera and an 8-megapixel rear camera for the selfie lovers. The Huawei Honor 7 runs on Android 5.0 and is powered by a 3100 mAh non-removable battery. This is a single-SIM smartphone that comes with a nano SIM. You can also expect Wi-Fi compatibility, GPS, infrared, and 4G compatibility. It also comprises sensors like a proximity sensor, accelerometer, gyroscope, and ambient light sensor.
• Oppo Find 7 If you are looking for Oppo mobiles, the Oppo Find 7 is an exciting option that can be considered. This phone is key among Oppo mobiles and comes with a 5.50-inch touchscreen display. It has a resolution of 1440 x 2560 pixels and 538 pixels per inch. The Oppo Find 7 is powered by a 2.5 GHz quad-core processor and comes with 3GB of RAM. It comes with 32 GB of internal storage that can be expanded to 128 GB. This smartphone has a 13 MP primary camera and a 5 MP front-facing camera for selfie lovers. This smartphone has a 3000 mAh non-removable battery and runs on Android 4.3 It is a single SIM smartphone and is micro SIM compatible. All the latest sensors including a proximity sensor, ambient light sensor, and compass magnetometer are available.
• Xiaomi mobiles Since the launch of its MI series, such as recent the MI 6, Xiaomi mobiles have also become popular. Xiaomi has recently come up with the Redmi Y1 and will be launched in November 2017. The smartphone has a 5.50-inch touchscreen display and comes with a resolution of 720 x 1280 pixels. This smartphone is powered by a 1.4 GHz octa-core processor and has 3 GB of RAM. The smartphone has 32 GB of internal storage that can further be extended to 128 GB using a microSD card. This smartphone will have a 3080 mAh battery and is likely to weigh 153 grams. This will be a dual SIM smartphone and will accept nano-SIM cards. Xiaomi mobiles are the most preferred ones, and you can choose the appropriate smartphone from any of these and make your life brighter and better.