Are you a teenager or a youngster struggling hard to manage with your pocket money or have you just started to earn? Proper financial planning is an art, and not everyone gets to master it. Here, we share some simple financial planning tips to help you become a good financial planner in the future. Proper financial planning is key to a secure future. Regardless of the money you earn (or get), it's important that you plan a budget and stick to it. Learning to save from an early age can go a long way in making your life prosperous and comfortable. Master the art of self-control Learning the process of delayed gratification helps. What this means is, if you really want a new pair of shoes the moment you see it, don't splurge on it even when you have a credit card. Rather, save up for that pair and buy later. Also, if you don't really need a new pair of shoes, you can avoid buying it completely. Learn budgeting Budgeting is simple and it's one of the most important things you need to do, as far as financial planning is concerned. Take a notebook, and track your expenses. More technically speaking, you keep a log of your expenses. You can take this a step further by keeping a copy of your budgeting file on the cloud platform or Google drive so you can update on the go. Sometimes the smallest things tend to make the biggest differences, like splurging on a cup of coffee at Starbucks every day or going to laundry services instead of washing your clothes on your own. The expenses add up down the line and if you can realize that, you'll be able to manage your budget more wisely. This can help you save up a lot too. Safeguard your health Eat healthy, live healthy! Follow this mantra for the rest of your life and you'll be on your way to financial well-being. Bad health leads to medication, hospitalization, and loss of money. On the other hand, if you are hale and hearty, there'll be no need to spend on medicines and hospitals. Make sure your diet is in check and you get regular exercise. Although you can't permanently eliminate all risks in your life, you can certainly minimize them by taking care of yourself. A higher quality of life equates to a better financial well-being. Once you start earning more, start investing in different mediums. Plan well and plan ahead, and you'll definitely have a financially sound future.

It is the dream of every person to find a comfortable place to live in. However, it is crucial to find your comfort at an affordable rate. Factors to consider when looking at homes for rent include the cost of living, access to job opportunities, one’s desires, affordability, earnings as well as access to amenities such as schools, healthcare, and transport. The most affordable homes for rent are found located in areas where the rent is lower than the national median. Affordable housing should also enable you to experience your desired quality of life. So make sure you analyze factors that will help you get the accurate depiction of areas in the country where you can get houses for rent by the owner. Research indicates that houses currently on the market within the country have a median value of around $261,500. Analysis of the median monthly rental value of homes for rent is placed at just about $1,600. This means that the cities regarded as the best places to live should possess homes for rent whose rental value per month is below $1,600. Most tenants prefer renting houses where they can directly interact with the owner. This helps in developing a clear understanding between the owner and the tenant on the terms of renting the home. Renting a home in the country at affordable prices The top five cities having the best cost-effective rent rates include the following:

• Austin in Texas has over 50 new residents daily seeking to experience the city’s culture and external spaces. It has a value index of 7.1.
• Colorado Springs has a location advantage. Being within the proximity of ski resorts and having quality schools and residencies in the locality, it ranks second with a value index of 7.2.
• Des Moines has hip bars and historical neighborhoods, which are an attraction to the millennial seeking quite vicinities. Its value index is 8.5 and it has a median monthly rent of about $895.
• Minneapolis has big city amenities with varied entertainment through all seasons. Its value index is 7.9 and its median monthly rent stands around $963.
• Nashville, Tennessee, boasts of plenty job opportunities and a variety of entertainment. It has a value index of 7.3.

So the next time you are on the lookout for a budget-friendly rental home in the country, do visit the aforementioned areas to win a deal.

Breakfast is the most important meal of the day. Period. This crucial meal provides the body with the energy it needs after fasting for an entire night. Hence the name, breaking the fast. Without breakfast, a person working on empty stomach is human equivalent of trying to start a car without petrol. Why you need a quick and easy breakfast? That being said, breakfast is also one the most difficult meals of the the day. With an urgency to get to work or school, making breakfast can seem like a pain in the neck. As a result, most people choose to miss breakfast or indulge in quick takeaway from some not-so-healthy food chains. Both of these choices are unhealthy, and can cause you a number of health issues in the long run. Here are 4 breakfast recipes, which are both healthy and quick. These options will save you plenty of time, and give you the kick start you need for an energized day. Apple and cheddar tartine Ingredients: 1/2 small baguette (cut vertically and horizontally) 2 tablespoons apple butter 1/2 apple (remotely cut) 2 ounces cheddar, cut Directions: Warm the broiler, broil the baguette until it is faintly toasted (around 1-2 minutes). Cover the baguette with apple butter, sliced apple and cheddar evenly. Broil further for 2-3 minutes, until the cheddar melts. Oatmeal with apricot and raisins Ingredients: 1 cup oats 1/4 cup low-fat milk 2 tablespoons golden raisins 2 tablespoons chopped dried apricots 2 tablespoons chopped roasted almonds 1/8 teaspoon nutmeg Directions: Soak oats in warm milk in a bowl. Garnish oats with raisins, apricots, almonds and nutmeg. Mushroom and egg white omelet Ingredients: 2 tablespoons olive oil 2 sliced mushrooms 2 sliced scallions 4 egg whites 1/4 cup shredded cheddar Salt according to taste Black pepper Directions: Heat half the oil in a nonstick skillet in medium medium heat. Add the mushrooms and scallions and cook until they are tender, around 2-3 minutes. Stir so they don't burn. When cooked, remove the mushrooms and scallions from the skillet. Beat the eggs with salt and pepper in a bowl. Put the skillet on medium heat again. heat the remaining half of the oil. When the oil is heated, cook the eggs for 1-2 minutes, until they are set. cover the cooked egg whites with the previously cooked mushrooms and scallions. Add the shredded cheddar as well. Fold the eggs over the filling. Yogurt with grapes and granola Ingredients: 1 cup yogurt 1/4 cup red and green seedless grapes 1/4 cup granola Directions: Place the yogurt in the bowl. Top it up with the grapes and granola. A quick and easy breakfast is just what the doctor ordered to beat the tiredness you get from skipping this crucial meal.

A greenhouse is a glass structure where one can grow plants in regulated climatic conditions. The way this works is that the interior of the greenhouse that is exposed to sunlight traps the heat and warmth making it warmer than the temperature outside, thus protecting the plants in cold weather. Greenhouses can be of various sizes, ranging from a small shed to large industrial-sized structures. If you're just starting out and want to find your depth, there are a few fruits, vegetables and flowers that are super-easy to grow. Starting out with these will boost your confidence as a greenhouse gardener and serve the purpose of being great training wheels. Leafy greens: Most leafy greens in the salad family need the same kind of care and growing different kinds is a good place to start. Chilies and Peppers: Peppers come with mild to intense taste and growing them is surprisingly easy. Plus there are many varieties so your greenhouse will have a nice pop of color along with nice plump peppers! Citrus fruits: These fruits can withstand even very cold weather so growing them isn’t really a problem. Melons, oranges, and lemons are some of the wonderful zesty fruits you can start growing as a novice greenhouse owner. Herbs: These are pretty simple to grow and having them in your greenhouse is a great idea. Mint, parsley, coriander are just some of the herbs that you can consider. Petunias: These beautiful flowers are a great addition to a greenhouse and can be grown easily all-year through. Onions: These are a great addition to your greenhouse. In here, they’ll have the correct growing temperature and can be left at peace until they mature. Ginseng: Not only is this a great medicinal plant to have at hand, but it’s also a potential cash cow and can earn you an additional income. Microgreens: These are surprisingly easy to grow and do not need too much space – making them perfect to grow in a small greenhouse - if space is what you lack. Strawberries: This luscious juicy tangy fruit is quite easy to grow and can even be planted in containers so you can move them around the greenhouse if you need to. Okra: This vegetable grows super-well in the heat so obviously it’s one of the best ones to grow. Start off your greenhouse venture with these and who knows you just might have that green thumb you've wanted all along!

Did you know that utilizing the right credit card with cash back facility can help you earn quite a tidy sum if you use it strategically? But finding the right card may get challenging as there are many options available to choose from. Therefore, to help you to find the right one, following are the top five credit cards offering cash back facility. Read on to start earning rewards and saving money. Chase Freedom Flex℠ It offers a welcome bonus of $200 cash back during the first three months of the account opening if you make purchases worth $500 during this duration. Also, there is no annual fee that makes it a good choice, but there is a 3% transaction fee that is levied on the account holder. Along with the beneficial bonus categories, this card also offers extended warranty and purchase protection. Some travel benefits are also provided by this card, such as travel and emergency assistance services and trip cancellation and interruption insurance. This card can also be amalgamated with other cards such as Chase Sapphire Reserve or Ink Business Preferred Credit Card and Chase Sapphire Preferred Card, which makes it more beneficial and valuable. Wells Fargo Active Cash Card It offers 2% cash rewards on purchases, and if you spend $1000 during the first three months, you will get $200 as a cash reward bonus. This Wells Fargo Active Cash Card also provides additional valuable benefits, such as a $600 cell phone protection benefit offered twice yearly. It also charges foreign transaction fees, so if you are looking to make purchases abroad, you might need to pay some fees.  Discover it Cash Back This card provides 5% cash back on everyday purchases in various places such as gas stations, grocery stores, and restaurants. It also offers 1% cash back on all other purchases. There are no foreign transaction fees or a bonus for purchases abroad. There are no annual fees, making it a valuable card with the cash back facility.  Blue Cash Preferred Card from American Express This card has a welcome offer of $350 for a statement credit after making $3,000 in purchases during the first six months. It provides numerous cash back rewards, such as 3% cash back at the US gas stations and on transit, including tolls, trains, buses, taxis, and much more. This card from American Express also offers 1% cash back on other eligible purchases. Also, 6% cash back on selected US streaming subscriptions is provided. There is an annual fee of $95. Citi Custom Cash℠ Card It comes with a welcome offer of $200 in cash back when you spend $750 on purchases during the first three months of the account opening. There is no yearly fee, which makes this card a great choice. The rewards offered are 5% cash back on purchases made in the top eligible spend category during every billing cycle. It provides various other rewards, such as you may earn some money back in the classes not offered by other cards. But it is possible only when it is your highest spend segment or category. There are various factors to consider when choosing the best and the right credit card with the cash back facility, such as cash back rate, annual fees, APR (Annual Percentage Rate), bonus categories, rewards, and redemption. Choosing the card that fits your lifestyle and spending habits is essential. Before going for any card, it would be best to look at your budget and check where you spend the most frequently. After exploring and researching these factors, make a wise and informed decision.

Endocrine disorders are related to the endocrine system which is a collection of major glands that are responsible for the secretion of vital hormones with the help of the circulatory system, throughout the body. Major glands of the endocrine system and their associated disorders include: Pineal gland: This gland is found in the vertebrae of your brain which is responsible for producing melatonin, a hormone which affects sleeping patterns. Endocrine disorders related to the pineal gland include deficiency of melatonin which leads to symptoms of depression, change in dietary habits, stress, peptic ulcers, unable to perform sexually. Psychotic depression happens to be the number one endocrine disorder when it comes to the pineal gland. Pituitary gland: Pituitary glands help secrete hormones which control growth, blood pressure, the functioning of vital sex organs, your thyroid glands and most importantly your metabolism. Pituitary tumors can result in endocrine disorders like hypersecretion and hyposecretion which in simple terms means too much or too little of the hormone being secreted by the gland. Thyroid gland: This gland mainly secrets thyroid hormones which influence your metabolism concerning your metabolic rate and protein synthesis. Endocrine disorders of the thyroid gland are more or less similar to the pituitary gland including the after-effects of hyperthyroidism, hypothyroidism and thyroid nodules. A thyroid nodule is a small bump in the thyroid gland which is not necessarily cancerous. However medical attention is advised in case the lumps are noticeable and enlarged. Adrenal gland: Adrenal glands are responsible for producing vital hormones like adrenaline, steroid hormones like aldosterone and cortisol. However, adrenal glands are also one of the easiest to get affected when it comes to endocrine disorders which include Cushing syndrome due to the overproduction of cortisol, Addison's disease which is the result of underproduction of cortisol. Thymus: Thymus is the primary organ of your immune system consisting of T cells which help the body and the immune system adapt to foreign invaders. Endocrine disorders of the thymus gland include SCID's which is a type of genetic mutation that affects the normal growth of T cells, thus affecting the immune system. DiGeorge syndrome results in poor development of vital organs of the immune system, while carcinomas results in cell growth outside the gland with common symptoms that include trouble breathing along with chest pain and a persistent cough.