55-inch televisions continue to be hugely popular and are steadily gaining market share. The benefit is that while it is sturdy and has many of the benefits of the 65-inch TV, it will not take up your entire wall. The newer 55-inch models come with many latest features which include HDR compatibility, 4K resolution, and smart TV interfaces. The following are four of the best 55-inch flat screen TVs available in the market. LG OLED55C8 The LG OLED is a clear winner in the 55-inch flat screen TV space. While it is available in 65 inches as well, the hardware has had significant improvements made as compared to its predecessors. The lookup table (LUT) and the Alpha-9 processor offer far superior processing and image quality. The set can also support better contrast when it comes to pictures; moreover, its shadow levels with wide viewing angles make it perfect for any space. Sony XBR-55X900F While the Sony XBR-55X900F is an LCD TV, it offers exquisite quality that is comparable to OLED TVs. With improvements made over time, it also gives viewers batter saturation and brightness with good images in dim lighting and no halo effect. The color gamut and motion handling are great with no stuttering images as well. It is also the best performer in the mid-range segment. Additionally, the use of Android TV allows for a wide range of content options to choose from. TCL 6-Series Roku TV This Roku TV from TCL is worth the money spent on buying it. While people with higher budgets will prefer higher-end TVs, such as LG’s OLED W8 or Samsung’s QLED, this TV is a great choice for those looking for great features for less than $1000. The HDR format is very good and the upscaling engine works fairly well too. The TV works well in brightly lit spaces, and while it may not offer the same performance as bigger brands, it is certainly worth the price. B&O BeoVision Eclipse For people who have no qualms about spending lavishly and have a big budget, the BeoVision Eclipse 55-inch flat screen TV is a great choice. Its stunning design with a motorized stand that allows viewing from any angle is enough to set tongues wagging. The OLED is made by LG and coupled with the black levels and color contrast with motion handling, it is really one of the best performers in the market today.

It is time to grow your successful business and scale new heights, and you are faced with the option of going it alone or going to a venture capitalist and offering them a certain amount of control in exchange for capital. Franchising the business opens up a larger market to the new businesses with lower investment and total control of the business. There are few fundamental questions you must ask yourself, before diving headlong into Franchising.

Can your business be franchised? For a business to be franchised it must have a standing in the market. Good press, Goodwill, and good management are the basics. It is essential to know if your business can spread to other markets in its current form. Your business processes must be streamlined so that they can be taught in a few months. Reading prevalent market trends is a must. Franchisees generally end paying 4-8% in royalties and if they do not recover their investments, they will be displeased, leading to further issues.

Have you done your Due Diligence? Due diligence refers to all and any appraisals undertaken before selling or buying a business. Make sure that your financials match up to your proposal as investors will check up on your financials too. Ensure that you have a concrete plan for growth. Investors will invest only if you are sure of how you plan to grow the business. Besides the financials, you must also be aware of all the legalities across the states. An understanding of standard franchise contracts, state registrations and federal and state franchising rules are a must. It would be advisable to involve a franchise lawyer at this point.

Have you set up operational standards? Operational standards help retain quality at across all franchisees universally. A stand operational manual that explains and teaches the business processes are essential as procedures to deal with problems like negligence allegations and consumer liability. Regular checks on facilities are part and parcel of the franchise business, after all when it comes to quality, the buck stops with you.

Can you sell your franchise? Finally, be prepared to sell and promote your franchise. Attracting potential buyers is an art as well as a science. DVDs and Brochures are just media that helps potential buyers understand what they are buying. At the end of the day buyers are buying the vision you sell them. Buyers must clearly understand your sales, compliance and disclosure dealings.

Pregnancy ensues when the sperm of a man fertilizes the egg of a woman and the fertilized egg implants itself in the uterus. Conception happens quickly for many women but for others, it may take some time. Out of 100 couples seeking conception, 80 percent of them might conceive within a year, according to several journals on gynecology and reproductive health. It is better to understand the female menstrual cycle at this point before we move forward. The female menstrual cycle is counted from the first day of her period. The female period lasts for 2 to 5 days. In some women, the period may last longer. After the cessation of the period, the woman starts ovulating i.e. her ovaries start releasing eggs. The period of the ovulation is 12-14 days post which she has her next period. If you are wondering when to get pregnant, then read the next paragraph. The best time to get pregnant Fertile women are most likely to get pregnant within a day or two after ovulation and having sex with their partner. Ovulation is the process of the release of egg from the ovary. Ovulation lasts for about 14 days and it begins after the first day of your last period. We are assuming that in this case, the cycle is 28 days long. An important point to consider is that an egg can live for just 24 to 48 hours from the time of its release from the ovaries. So what does this mean? It simply means that to conceive you must have sex regularly with your partner during these 14 days so that the chances of the egg getting fertilized by the sperm increase many times. Fertilization takes place in the fallopian tubes. You should also know that the sperm can live in the fallopian tubes for 7 days. When the egg is released from the ovaries, the sperm travels higher up in the tubes to fertilize it. Doctors say that since it is difficult to predict when the egg is actually released, it is equally difficult to forecast the day when conception will happen. Ovulation is the process of the release of the egg from the ovaries. At the time of ovulation, the walls of the womb or the uterus begin to thicken. At the same time, the mucous of the cervix becomes thinner for the sperm to travel through it. During intercourse, the egg is fertilized by the sperm inside one of the fallopian tubes. Once fertilized, the egg moves upward towards the womb. Upon reaching the uterus, the fertilized egg is implanted on the thickened walls of the uterus.

The full-age retirement chart A comfortable, secure, and safe retirement is probably the dream of every working individual in the country. Today, with the generation living healthier, longer lives than ever before, it is safe to assume that we will live longer than our grandparents and parents and, consequently, have longer retirement periods as well. Achieving one's dream of a comfortable, secure retirement becomes easier and simpler when one plans his/her finances. Full retirement age There is an important term called as the full retirement age' in the US. It is the age at which an individual becomes entitled to receive unreduced or full retirement benefits from the employer and government. There are certain rules when it comes to full retirement age (FRA): If someone has been born after 1937, i.e. if that individual'sFRA is more than 65, that person will still be able to receive his/her entire benefits at age 62. However, the stipulation is that the benefits reduction is more for individuals born after 1938. For instance, if someone's FRA is 67. If one begins his/her retirement benefits at the age of 62 years, then their monthly benefit reduces by as much as 30%. For other ages, the reduction for starting benefits at that particular age is: 6.7% when begun at age 66 13.3% when begun at age 65 20%when begun at age 64, and 25% when begun at age 63 Also, if one begins receiving the benefits of their spouses at the age of 62 years, then the reduction in monthly benefit is a whopping 67.5% of your amount that the spouse would have gotten had their benefits begun at FRA. For the spouses, the reduction percentages for beginning benefits is: 50% when begun at age 67 (maximum benefit) 54.2% when begun at age 66 58.3% when begun at age 65 62.5% when begun at age 64, and 65% when begun at age 63 Full age retirement chart <![if !supportMisalignedColumns]> The earliest one can begin receiving benefits is at the age of 62 only. Also, if one was born on the 1st of January, then the year to be considered is the previous year. If one were born on the 1st of any month, then then the previous month age is considered. Also, if one delays retirement benefits and wait until after the FRA, then one may even be entitled for credits for delayed retirement. These will increase benefits per month. Also, one should sign up for Medicare at 65 years of age. Tags: Retirement planningfull age retirement chart Full Social Security Benefits Receipt Ages Year of Birth Full Retirement Age 1960 and after 67 years 1959 66 years, 10 months 1958 66 years, 8 months 1957 66 years, 6 months 1956 66 years, 4 months 1955 66 years, 2 months 1943--1954 66 years 1942 65 years, 10 months 1941 65 years, 8 months 1940 65 years, 6 months 1939 65 years, 4 months 1938 65 years, 2 months 1937 or before 65 years

Craigslist is often dismissed in favor of other websites for posting ads and making business transactions. If you've always wondered what makes Craigslist so special, it's just one simple thing: it connects and makes those connections work in your favor. Whether you're looking for a job, want a trade, or wish to sell something old, Craigslist has something to offer for all. Here are top three reasons why you should be using Craigslist. Direct Transactions There's no middle-man during transactions in Craigslist. If you've always looked forward to instant transactions without the overhead charges, Craigslist does that. Everyone says time is money, and Craigslist is no farther from the truth. You can make face-to-face transactions or direct transfers of money through Craigslist. You need not pay taxation charges or overheads anymore. That's how simple it is. No Commission Fee For Ads Whether you're a business owner looking to sell your products or a real estate agent this is the place for you. You can breathe a sigh of relief since Craigslist doesn't charge a fee for buying, selling, and posting on its platform. A modest fee of $25 can be charged for therapeutic or brokerage services such as apartment rentals. Besides that, most of the ads posted or services can be opted through their portal for free. What this means for you is that if you want to buy a real estate property or a new patch of land you need not go through a broker and the hassle of commission fees. You can search through Craigslist and get in touch with the main owner of the property yourself, for free. Additionally, if you want an instant buy below the retail prices, you can get that too. You can even buy apartments without the hassle of sifting through the dealership documentation. Thereby speeding up the entire process of buying and selling process. Overall, the best part about Craigslist is the ability to post ads for free. It can be an anonymous user or a well-known internet user. What more could one ask when the platform is so flexible? International Coverage Craigslist offers an expansive coverage of over 700 local websites in over 70 different countries. This can be especially lucrative if you're running a business and you wish to work with international clients. The best part is that Craigslist makes it even easier to get in touch with locals. If you want to sell a product face-to-face in your city, you can do so with Craigslist. Whether it's local or international, you get the best of both worlds, free of commission, at the expense of no added cost, and a little bit of your time.

Dividends are when a company distributes a portion of its profit to its shareholders. There are two types of dividends “ cash and stock. The difference between the two types of paybacks are worth noting: Cash dividend A cash dividend is a form of cash, check, or electronic payment made by the company out of its profits to its shareholders. Thus, the company pays a part of their income to their investors for the economic value of shares without investing the whole money for its own operations. Yet it causes the EPS (earning per share) rate to drop down to the same rate as the dividend, resulting in financial value transfer. Another outcome is that the shareholders who are the receivers of cash dividends have to pay tax for the value of the shares, decreasing its finial value. However, cash dividends are beneficial as they provide regular income to their investors along with capital appreciation. Stock dividend Unlike cash dividend, stock dividends on the other hand are the payment made in the form extra shares rather than cash payouts. It is also known as scrip dividend. When a company is in shortage of liquid cash, it would choose another profitable alternative to distribute dividends to its shareholders and those are called the stock dividends. For example, if a company issues a 4% of stock dividend, it would increase the number of shares by 4%. This is similar to cash dividend in the way that it does not increase the value of the company. If the company pays $10 per share, the company's value will be $10 million, and that is true even the share is amongst the 7 best dividend stocks in the market. The value remains the same even after stock dividend, decreasing the share price to $9.52 to reshape for the dividend payouts. Which dividend is better? Be it a cash or additional shares, it does not affect the company's profitability. If the company has a turnover of $1 million in earnings by spending 10% of it as dividend, the company is still left with $900,000 of retained earrings after payouts. If the company spends $100,000 in cash or $100,00 worth of extra shares, it is all going to be the same to its current shareholders. However, it is, in a way, effective if the company declares stock dividend instead of cash dividend because the transfer causes the company's share price to fall. If a cash dividend equals 5% of the company's stock price, the investors will experience a 5% low in value of shares. Cash dividends provide income but the shareholders will have to pay tax. It would increase the number of stocks outstanding, shift held-up earnings to paid-in-capital and also reduce the amount payable to its stockholders Like cash dividend, stock dividend does not increase the value of the company. However, a shareholder can keep their share and grow by investing their shares or by selling it for cash dividend.