We are spilling the beans on how to spruce up your home decor without draining your wallet. Sit back and read along! Tri panel art The tri panel art has been rising in popularity in recent years. While it is expensive to buy one, you can download an extra large image at a local printer and cut the images into three parts to fit into your frames. Play with illusions No matter the size of the room, the bigger the area rug, the bigger the room will feel. Tape rugs together and try and go for pastel shades. Mirrors behind sofa ensures that even the smallest room look bigger. Go dramatic with colors It is not a rule that wallpaper design have to be the same for all the walls in a room. Have wall papers pasted on the three sides and paint the fourth side in bold colors. You can also do this vice-versa. Adding texture to wall paints can also add timeless beauty to your home. Decorate with glass and mason jars It is always wise to have one side of the shelf open. Decorate this space with a mix of old and new glass jars with hand blown wineglass that add a pop of color. Displaying colored empty glass bottles is a great idea of cost effective home decor. Light up the jugs If you have a corner table that you hardly use, illuminate it by adding Christmas lights in glass jars. Enjoy enlightened conversation henceforth. Paint the ceiling and the doors Why leave the doors and ceiling behind? How about a galaxy theme for your ceiling and using one of the color elements from it for the door? Even buttery yellows and nautical blues add a lot of drama to your home. DIY artworks Good old calendars, vintage prints from your grandmas trunk, your treasured comic book covers - can all be part of a great wall art. Ensure to frame them with the right choice of colors and texture, so that it elevates the art work and complements its intricacies. Lampshades to the rescue There is so much to do on lampshades! You can either do an applique work on them or add your favorite fabric stickers and create a story. Spray painting using metallic shades also gives an eclectic look while adding polka dots and spray painting with neon colors, brings the retro style to your home. Photo filled narrow walls We are usually stuck with narrow walls being empty. Short list your best photographic memories and take square prints of them and just stick them to your walls. There is indeed a sense of joy to recollect those lovely memories.

Exchange-traded Funds (ETF) have grown into a huge network of investment options. They provide the advantage of choosing from international stocks and the leading players in the stock market. ETFs include stocks, bonds, commodities, and more. These funds operate in the same way as mutual funds. Investors consider ETF as a low-cost strategy for building an optimal portfolio. Here is a list of the top exchange-traded funds. Exchange-traded funds are an effective way of growing your assets.  SPDR S&P 500 ETF Trust (SPY) SDPR is one of the most heavily traded ETFs in the country. This fund is also one of the easy ways to purchase long-term stocks that most often stay high over a long time. SPDR S&P 500 ETF is an ETR that tracks the index of a diversified group that contains several large-cap American companies across various industries. Investing in this billion fund ETF can help you get exposure to some best stocks from industries such as healthcare, communication, IT, etc.  Invesco QQQ Trust (QQQ) Invesco QQQ Trust is an ETF that offers exposure to the top-notch American stocks of the Nasdaq stock market. QQQ has been widely used as a trading vehicle by several investors. This exchange-traded fund gives you access to an index of Nasdaq 100 companies in a single investment. The index includes top-performing companies such as Google, Amazon, Netflix, Facebook, etc.  Vanguard Total Stock Market ETF (VTI) The Vanguard Total Stock Market ETF comprises a variety of stocks, including small, mid, and large-cap stocks. It gives you exposure to thousands of stocks on the American stock market. VTI is associated with several sectors, including finance, information technology, healthcare, etc. Their significant top holding includes Apple, Microsoft, Amazon, Tesla, Berkshire Hathaway, and JPMorgan Chase & Co.  Fidelity Quality Factor ETF (FQAL) FQAL is an EPT that tracks the index of mid and large-capitalization companies with a high-quality profile. Large-cap stocks of FQAL include corporate giants such as Apple, Microsoft, and Alphabet Inc. FQAL has earned a five-star rating from CFRA (an independent investment research firm) for a strong performance record and average expense ratio. The index of Fidelity Quality Factor ranks companies based on factors such as cash flow stability and profitability.  Simplify Interest Rate Hedge ETF (PFIX) Simplify interest Rate Hedge is an ETF with more than 300 million dollars in assets under management. It has been observed among the great performing exchange-traded funds of the year. Simplify aims to benefit investors by providing effective methods to profit from interest rates. They intend to expose large upward moves in interest rate volatility directly.  iShares Russell 2000 ETF (IWM) This ETF focuses on small cap US stocks, and the index comprises two thousand small capitalization companies. Active investors can consider iShare Russel as a way of accessing a long-term buy-and-hold portfolio. By investing in this ETF, you may get access to two thousand small-cap stocks in a single fund.  Siren DIVCON Leaders Dividend ETF (LEAD) With over $56 million of assets under management, the Siren DIVCON Leaders Dividend Index comprises large-cap companies in various sectors. Their top holding includes popular firms such as MasterCard Inc. and Nordson Corp. The index of Siren DIVCON is designed to select the large-cap companies that have the highest possibility of increasing their dividends in the next twelve months. 

Choosing a suitable cargo van for your business can be a difficult task. Though there are limited options to pick from, the similarity in their design and appearance makes the choice harder. Ideally, a cargo van must have a proven full frame design, a powerful engine, plenty of cargo room and available technology. Listed below are the top three cargo vans of the year to make the choice easier:

• Ford Transit

The Ford Transit is the latest full-size cargo van to join the U.S. market, replacing the outdate E-series for the 2015 model year. Two versions are available: a regular wheelbase and a long wheelbase, with long-wheelbase models offering standard or extended length options. As for engines, the Transit offers three: a 3.7 litre V6 with 266 horsepower, a turbocharge Ecoboost V6 for better gas mileage, and a 3.2 litre turbo diesel 5-cylinder.

• Ford Transit Connect

The newly redesigned Ford Transit Connect is a compact van designed for inner-city businesses interested in a vehicle that emphasizes fuel economy and nimbleness rather than all-out cargo room. In terms of fuel economy, it succeeds: The Transit Connect's standard 169-hp 4-cylinder returns an impressive 21 miles per gallon in the city and 29 mpg on the highway, while an optional 178-hp turbocharged 4-cylinder returns 22 mpg city/30 mpg on the highway. Small size is also a strong point, as the Transit Connect is no longer than a midsize Ford Fusion sedan.

• Freightliner and Mercedes Benz Sprinter

The Sprinter, available from both Mercedes-Benz and Freightliner, has long been the king of the full-size cargo van realm for shoppers who value a huge cargo capacity over constraints like price and gas mileage. The Sprinter offers two body styles -- one with a 144-in wheelbase and one with 170-in and two roof sizes: standard or tall. Opt for the top-of-the-line Sprinter and you'll get a 76.4-in interior height, nearly 190 cu ft. of cargo space, nearly 3,000 pounds of payload capacity, and a 5000 lb towing capacity.

A businessman has a lot of things that have to be organized and ticked off before he can run a successful business. Making arrangements for your customers to pay is not as easy as it seems, whether you have a literal store or you run an online store. Identifying the right payment processing service also takes effort and time. Here are a few things about payment processing services that will help you in understanding the basic things about the same. A payment processor is basically a company that handles all your payment transactions, in order for your customers to be able to buy your products. The payment processing services relay information from your customer’s debit or credit card to your bank as well as the customer’s bank. Nowadays, there has been an increase in identity and credit card thefts; it is the job of the payment processing services to provide security and to keep everything in check. They also take care of accidental charges for you. But then, of course, they do not offer their services for free. For every accidental transaction, the company incurs a fee for having to transfer money from your account to the payment processor and then back to the customer’s account. The key players involved in the whole payment processing services are:

• The customer
• The business or the merchant
• The payment processor
• The payment gateway
• The customer’s bank/credit card company
• The business’s bank

A payment processor can generally be applied to the bank, online providers and companies such as Paypal. Just like wholesale options for products, there are payment processing services as well. To make sure that you get the lowest payment options look for payment services listed under ‘interchange fees’. Typically most Visa and Mastercards are accepted by payment processors. You need to be aware of which payment processing service you go with as some of them might charge you higher fees. It is always advisable to compare different payment processing services to make a smart pick.

Hair thinning is something that almost every woman or man experiences at some point in their life. It happens quite early to some people while others have this unpleasant experience in later years of their life. Regardless of the age and the reason, thinning hair remains a primary cause of worry for people. If you also are worried about your hair and looking for the best shampoo for thinning hair, here we are with some help. Following are some of the products that will help you take care of your thinning hair: Pantene Pro V Full and Thick The full and thick shampoo collection of Pantene Pro V has emerged as a top performer shampoo, thin hair affected people may use. As per customers who use this shampoo regularly, it improves overall hair appearance by making your hair soft and smooth. Pantene Pro V is one of the least expensive products that you can count on to boost your hair volume. It is no wonder that this shampoo is lauded for being one of the best shampoo for thinning hair. Nexxus Hair Thickening Shampoo and Conditioner Next on the list is the Nexxus hair thickening shampoo and conditioner, which is often rated as the best shampoo for thinning hair. This hair care product works wonders for making your hair soft, thick, and more manageable and also increases the hair diameter. Kiehl’s Ultimate Thickening Shampoo Kiehl’s Ultimate Thickening Shampoo fortifies and improves the texture of thinning hair remarkably. This incredible antioxidant enriched product has a blend of naturally derived proteins, thickening polymers, and omega-6 essential fatty acid. To give the scalp a stimulating sensation, the shampoo has a combination of rosemary, cedarwood essential oils, vitamin E, and peppermint. Every Man Jack 2-in-1 Thickening Shampoo & Conditioner This is considered the best shampoo for thinning hair as the coconut derived surfactants in the product help cleanse hair correctly, while the shea butter and glycerin helps condition your hair. Besides, soy proteins present in the shampoo fortify your hair from the roots to lengths. This shampoo is ideal for daily use for combating hair thinning, as it is free from parabens, sodium lauryl sulfate, dyes, and phthalates. Marc Anthony Instantly Thick Hair Thickening Shampoo With a potential to make thinning hair better, the Marc Anthony Instantly Thick Hair shampoo is one of the best shampoos for thinning hair that you can buy. The shampoo works better than scores of other hair care products. It is sulfate-free, thickens your hair, and provides them the much-required volume. As the shampoo is not extremely moisturizing, you can use a quality conditioner after its usage. Kerastase Resistance Bain Volumifique Thickening Effect Shampoo Formulated especially for thin and beautiful hair, the Kerastase Resistance Bain Volumifique shampoo gives a thickening effect. Its capacity to give your hair a volumizing effect makes it a reliable product for those who do not have the required bounce in their hair. This shampoo also specializes in making frizzy hair soft and manageable. You can count on this parabens-free shampoo for giving your thin hair a salon-like effect. American Crew Hair Recovery + Thickening Shampoo for Men The American Crew Hair Recovery shampoo is a coveted hair-thickening product for men. It promotes hair growth by adding moisture to dry lifeless hair, thus preventing them from becoming brittle. By enhancing regeneration of skin cells, the shampoo makes your hair healthy. It works efficiently for protecting hair from damaging UV rays. It has a high capacity to enhance hair strength by repairing damaged hair and adding thickness. Its regular use soothes the scalp and gives it a refreshing feel. Not just for managing your thinning hair, but you can use this shampoo for conditioning your hair as well.

When you plan to have a window replacement, you must locate a renowned and reliable replacement window sale service provider in your area. Getting quotes from at least 3 companies is necessary. You must compare the type of windows offered, and the quality of the products should also be assessed. Other important things to be taken into consideration include the feedback from existing clients, warranty programs, and the ease of installation as well. You need to make sure that you have taken measurements of the windows and when you approach a dealer, these measurements should be with you. Take measurements correctly When you measure the existing windows, you measure the left jamb to the right jamb from the bottom and the middle and top of the window measurements should also be taken. Most probably, they may remain the same, but over time windows may shrink and warp. So measuring everything can be a safe practice. The same technique should be employed while measuring the window height. It is good to measure from the inside jamb to the inside window sill. When you talk to the replacement window sale dealer, you have to specify these exact measurements. Closely monitor the track record of the window replacement company There are a lot of replacement window scale dealers available in the market. You must be very cautious while making a purchase decision, and the durability, functionality, and appearance must be given the due attention they deserve. The track record of the window replacement company should be checked. This can be done by going through the feedback of the existing customers. The best service providers maintain long lasting relationship with their clients. This is done by giving quality windows replacement services consistently to a wide range of clients. Best dealers help you choose the best replacement window, and they also provide a lot of discounts and bonuses to make the purchase highly profitable. It is a well-known fact that online replacement window sale is the most effective option available, and if you are careful about choosing the right product from a reliable dealer, window replacement becomes quite easy.