Retirement calculators are financial planning tools that may help you make the right investment decisions. With a retirement calculator, you will be able to determine the amount you need for the period of your retirement. It is important to get this calculation done right as it will give you a basic idea of how much money you will require to get by in your retirement years. Today, most retirement planning calculators are available as apps on your smart devices. However, to avoid keeping your data on random devices, people often prefer to use the programs that run on your personal laptop or desktop. The first step to estimating the retirement amount is using the right retirement calculator. Following are the top five calculators you can choose from: Retirement Planner by Personal Capital This calculator is free to use and runs a number of investment scenarios automatically. You do not need to put in any data. It runs on a number of assumptions which may be changed if you wish to. The results will be displayed in the form of a graph and table. Fidelity myPlan Snapshot This is one of the best retirement calculators that will give you a complete snapshot in just a few seconds. You will just have to enter some basic information like your annual savings, age, and income. The tool will generate a graph based on your assets and will allow you to create a detailed plan. The Flexible Retirement Planner This calculator will ask you to provide detailed inputs based on which the graph of your future retirement funds will be developed. You may provide inputs like setting up your taxable portfolio or tax-free portfolio and may also use sensitivity analysis for the effective allocation of assets. Ultimate Retirement Calculator This calculator allows you to enter basic data like your contribution and retirement savings. It allows you to leave a certain amount in your estate and also lets you put the one-time benefits you wish to receive like inheritance. You need to provide details of your income and cost of living to arrive at accurate results in a tabular format. Vanguard Retirement Nest Egg Calculator This is also one of the best retirement calculators and is easy to use. You only need to provide the years of your portfolio, annual spending, the current balance of the portfolio, and asset allocation. These are some of the most trusted calculators in the market that are used by many for calculating their retirement fund.

Morkies are a ridiculously sweet breed of dogs. This dog is the product of interbreeding between Maltese and Yorkie breeds, both of which are adorable in their own ways. It is quite hard to define Morkies in few words. They are curious, intelligent, playful, and of course, make for great companions. While Morkie puppies can adapt to several environments, sadly, a lot of people remain skeptical about owning one. The truth is that not all dog breeds can get along with everyone. Hence, it is imperative for a person to be sure about a dog breed before coming to a decision. Here is a list of things you need to know about Morkies: Rather stubborn Morkies are known for their stubbornness. They always have things their way, and their cuteness only helps them in this process. People who multitask with their family, work, etc., or those who find it difficult to assert dominance over others, or people who have anger issues might find it difficult to manage this breed. Lifespan They are known to live for around 13 years. Unless you are prepared to care for your pets for such a long time, you should not think about owning or adopting one. It is unfair to purchase a Morkie puppy, only to send them to a shelter later on because of an inability to commit to them. Vulnerable They weigh about 8 pounds. Pet owners should realize that this dog will remain pup-sized for all their lives. Also, they are not very strong. Their size gives away the fact that they can be hurt easily, and if you already have a big dog, you must realize that it might hurt Morkie puppies inadvertently. If you have children in your home, you must warn them against playing with Morkies too aggressively. Perennially hungry The size of the dog is deceptive. If you think it Morkies are easy to maintain then think again. Morkies are called a hungry breed. Morkie puppies want to eat all the time, and a dog owner should never let that happen. There are several instances of Morkie owners overfeeding their dog, which results in obesity-related complications. Noisy lot Morkies seem to love the sound of their barks. It is commonly known that small sized dogs tend to bark a lot, but this breed sets the benchmark quite high. If you have young children or seniors at home who need to follow a regular sleep pattern, you should reconsider your decision about Morkies.

A new car deal means you have successfully negotiated the lowest price possible from the dealer or you have chosen the best money saving plan to pay for your new car. The car manufacturers extend incentives to get their customers sign off at a lesser price when newly manufactured cars are not clearing the lots quickly enough or when newer models are soon to arrive in the market. Holiday seasons such as Christmas and Memorial Day are usually picked to put up these new car deals. However, a good deal not only means a good price but also a good vehicle too. The vehicle must be built to meet your necessities and the one that you can drive every day with a peace of mind. What are the ways to get them? Timing is everything The best months to plan to hit new car dealers are from July to October when dealers announce lower prices to sell cars to make way for the new cars models arriving later during the year, and during the Christmas holidays in December, when dealers lower prices to break year-end sales record. Keep in mind that every offer comes with an expiry date, so be sure to snatch it when the time comes. Get online Gone are the days when you had to get out of the house to know whats going on in the world outside. Today, anyone with a smartphone, laptop, tablet, or computer can be aware of deals and discounted sales of cars. Dealers announce their sale campaigns on their websites and send mailers too. Many websites, such as carbuyingtips.com, www.consumerreports.org, and cars.usnews.com help and guide us to ensure we get a good deal on the purchase of your new car. The dealers come up with deals from time to time to keep up their sales throughout the year. Selecting the right dealer Car manufacturers have the way of announcing deals at certain parts of the country or with certain dealers only at a particular time of the year. A good deal at one outlet might not be available at all outlets or even your local outlet. Dealers offer different discounts on different vehicles. Sometimes buying an economy car at a rural outlet might be worth a great deal even though you have to travel far to get there. Selecting the right deal Car dealers offer many deals depending on the strategy of sales they have planned for the season. Choosing the right deal maximizes customer benefits. Most often, the customer is offered to buy incentives as a cash back or an easy financing plan with a low-interest rate. Cash backs are nothing but discounts on the selling price that is returned a few days after the transaction. Cash backs offer the best deals when you are either paying by cash or exchanging a valuable vehicle. Otherwise, it is best to do some math to see if the finance plans work better for you. Dealers also offer zero interest finance plans which make the math easy.

Samsung has always offered the best of the best when it comes to gadgets and electronic items. The brand has created for itself a reputable position in the market since its inception. The products from Samsung have always been designed carefully keeping in mind the end users and their comfort. One such product category where Samsung has a stronghold is smart televisions. With features that offer an amazing entertainment experience, its TVs are sure to leave you spellbound. Samsung offers TVs in various kinds and sizes to suit a wide variety of needs and reach a larger audience. Here are the reviews of two of the popular smart TVs from Samsung—the KU6300 4K UHD 60-inch TV and the 60-inch J6200 Full LED Smart TV.

• 60-inch KU6300 4K UHD: This model offers a stunning full HD entertainment experience and has a sleek minimalistic design. This 60-inch TV is priced at less than USD 1,500 and is the best in its category. The detailing in the display with respect to the color, contrast, and brightness is not like any other in this category. This 60-inch smart TV is ideal for those who are looking for multi-connectivity features. The model allows you to extend the screen of your smartphones or tablets to cast videos on the TV. This 4K UHD smart TV also has built-in Wi-Fi facility and a flat-panel design.
• 60-inch J6200 Full LED TV: This model is ideal for those looking for a smart TV that is under USD 1,000. It offers much more than just the ability to watch videos or movies with its great display features. You may browse the Internet on this stunning 60-inch TV and do anything and everything from socializing online to shopping online. Users may also get access to an array of Samsung apps that offer advanced entertainment and several communication options.

Set a budget and know how much you are willing to spend before you set out to buy your new 60-inch TV. Do not forget to ask about the warranty of each of these models before buying any.

Bone density test is a diagnostic procedure used to identify the strength of the bones. The test gives us the density of the bones and their strength. The bone density test is helpful in diagnosing osteoporosis. Usually, a bone density test of the hip region or the spine is recommended for the test. Before the test was introduced, osteoporosis could only be identified after a broken bone. This test helps doctors give better healthcare to those people who are at the risk of having osteoporosis. Procedure The procedure is rather simple; much like taking an X-ray. You will be made to lie down on a padded platform of the central machine. A small metallic arm passes over your body. The amount of radiation emitted using a bone density test is very less compared to the radiation emitted when taking a chest X-ray. It usually takes 10 to 30 minutes. The test is usually done on bones that are most likely to break. There are peripheral devices available at pharmacies that can measure bone density of parts away from the central skeleton. Bone density varies from one point of the body to the other, therefore it's not advised to consider the readings by the peripheral machines and come to a conclusion. Types of bone density test There are two main types of bone density test. DXA Dual-energy X-ray Absorptiometry (DXA) uses very small amount of radiation to take pictures of the skeleton. The bone loss is determined from this picture obtained by the test. There is no special preparation for this test. Do not wear any jewelry. Advisable to wear loose clothing. Avoid taking calcium supplements 24 hours before the test. QCT Quantitative Computed Tomography (QCT) uses a standard CT scanner and then converts the values of the CT image to measure the bone density. People who are suffering from scoliosis often use this method because they can't undergo the other method for a bone density test. QCT is faster than other tests and can isolate and scan the soft bones present near the spine. This is really helpful as Osteoporosis usually affects the soft bones first. Results The test results are represented in two numbers T-score and Z-score. T-score T-score is a comparison between your bone density and the bone density that is standardized for the same sex.

• If T-score is -1 and above, the bone density is considered normal
• If it's between -1 and -2.5, the bone density is below normal and might lead to osteoporosis
• -2.5 and below, the bone density is very low and osteoporosis is diagnosed

Z-score Z-score is the number of standard deviations above or below the regular bone density measure of a healthy individual of same sex, weight, age etc. If the Z-score is lower than -2, it suggests that something other than aging is the cause of less bone mass.

ASICS is a popular Japanese company that specializes in sports apparel, equipment, and footwear, especially running shoes. Their high-quality footwear is known all over the world. Their footwear collection, especially ASICS running shoes, is what draws people to the brand. It is known to provide some of the best shoes in the market at present and comes at the top when it comes to the performance of its footwear. Although the shoes cost is on the higher end, ASICS does have discounts going on.

Low-priced ASICS running shoes for men

Listed below are ASICS running and walking shoes that reasonably priced in the men’s range.

Gel Venture 6

These running shoes cost around $50 and come with the ability to absorb shock and are ideal for walking. You can walk on any terrain type with comfort and the best traction.

GT 1000 S

This pair of ASICS running shoes cost around $59. They are each built with a mesh that allows your foot to breathe. It is ideal for long-period runs and has a great fit for better comfort.

Torrance

These shoes cost about $59, have a raw look to them, and are great for everyday wear. You can wear these to work as they provide all-day protection. They are also highly durable.

Stormer

This pair of ASICS running shoes cost about $30. They have a mesh upper layer for breathability of your feet. They are lightweight, have excellent performance, and have an enhanced fit.

Gel-Contend 4

These ASICS running shoes cost $50 and provide stability to your feet. They have a cushioning system that helps keep your feet in position. They can be used for all-day wear.

Inexpensive ASICS Running Shoes For Women

Listed below are ASICS running and walking shoes that reasonably priced in the women’s range.

Endurant

These shoes cost about $35 and are weightless, which helps keep your feet cool at all times. They repel dirt so that you can use it for long walks in all kinds of terrain.

Gel Cumulus 18

These shoes cost around $59, are ideal for runners, and allow smooth transitions. They are highly durable and enhance the way you run. These shoes reduce the chances of friction.

Gel Cumulus 18 G-Tx

These running shoes for women cost around $59. They are developed for extreme conditions and come with brilliant durability. They are also waterproof and perform well under any condition.

FuzeX Rush

This pair of ASICS shoes costs around $60 and are perfect for running if you are looking for a lightweight option. They also provide shock absorption to the rear foot, providing great comfort.

Gel-DS Trainer 22

These shoes for women cost about $65. They have an improved fitting so that the shoes are comfortable around your feet. They maintain traction and are stable, providing support for the platform.

Affordable ASICS Running Shoes For Kids

Listed below are ASICS running and walking shoes that reasonably priced in the children’s range.

GT-1000 5 GS

These shoes for kids cost approximately $35. They are cushioned to provide comfort to the feet so that they don’t hurt. They also have enhanced support for the feet and are stable for kids’ feet.

Pre-Contend 4PS

These running shoes for kids are priced at about $40. They can be used for everyday usage. They can be easily worn and taken off. These shoes are highly durable and provide flexibility.

Noosa PS

These shoes cost around $45. They are made for active children who love to run around all the time. They help reduce the impact on the foot and reduce irritation to the front of the foot.

School Yard TS

These ASICS shoes for kids cost around $50. They ensure kids can securely put them on with ease. They provide excellent traction and provide an excellent fit for kids’ feet.

Kanmei PS

This pair of shoes by ASICS costs around $50. They are weightless and are comfortable. They can be used for long-distance runs and come with a seamless construction for better fit. You can get ASICS shoes from their official website. They have a huge collection for men, women, and kids. Get your pair of quality ASICS shoes today and start with a morning walk.