When we talk about a walk bathtub, it becomes important that we consider all the aspects of it before choosing the best. One of the major criteria that need to be considered while buying a bathtub is whether everyone can enjoy a bath in it or not. Especially the elderly people, who usually find it difficult to manage a bathtub. It, therefore, becomes important that we talk about the walk bathtub with respect to the fact that it is suitable for the senior citizens as well. Taking that into consideration, here are some of the most popular walk bathtubs for the senior citizens. When it comes to senior walk tubs, there are quite a few things that you can turn your attention to. Listed below are two of the best walk bathtubs that are worth a try. Ariel Walk in bath tub: Ariel is one of the best brands when it comes to bathtubs simply because of its easy design and optimized walk bathtub. The tub takes a very little amount of space but proves to be spacious on the interior. The main technical aspect that needs consideration is the fact that the tub should not be too high for senior citizens to climb in and out of. Rather, it should be balanced enough to give them sufficient space beside being easy to enter and leave. The Ariel Bath Tub is optimum for this requirement. Kohler Elevance: Kohler is one of the most exotic bathroom brands that one can come across. With an extravagant design for walk bathtubs seniors, Elevance is one of the top-notch models that the seniors can have a great time in. Built exclusively for them, the walls are curved and high enough to submerge the entire body and prevent the water from flowing outside. The support at the hinges is exemplary, that prevents the tub from sliding to and fro. With a simple purchase, you can make your walk bathtub conducive and user-friendly for your elderly.

Every business, be it small, mid-scale, or big, needs to have one thing in place right from day one – an accounting software. It helps firms track their actual profits, expenses, and liabilities. Also, having an accounting system saves a lot of time and effort during the tax season. Here, we’ll look at three paid accounting software for small businesses. Intuit QuickBooks This is a paid accounting software used by accounting professionals, making it a reliable bookkeeping friend. It’s convenient and easy to use, and all the features are placed right on the dashboard. So navigation is easy for a new user. Some of the top features of QuickBooks include comprehensive payroll support, customizable reports, the latest hybrid sales tax options, and detailed contact records and transaction forms. QuickBooks accounting software also enables third-party integration, which allows for flexibility and added convenience. The cloud-based software has four monthly subscription plans ranging from $25 to $150. So users can choose a plan as per their needs and budget. FreshBooks This accounting software is well-known for its double-entry accounting, detailed client records, time tracking tools, and project proposals. The software has intuitive features that help small-to-mid-sized businesses and even freelancers. It also offers integration with third-party apps like G Suite, Gusto, and Shopify. FreshBooks has seen a few reforms over the past few years but has been among the top accounting software for sole proprietors and small businesses. The monthly subscription plan of this software starts at $6 and goes up to $20 per month. Wave This accounting software is for small businesses that don’t need to track inventory or employee payroll. It has simple features for making financial reports, income and expense tracking, and receipt scanning and allows multiple businesses in one account. Wave also enables multiple billings and unlimited users, making it one of the most opted accounting systems among small businesses.  The best advantage of this software is that these features are accessible at no cost. But if the business needs features like customer payment processing and payroll services, one can opt for Wave’s monthly subscription plan that costs $20 (plus $6 per employee or contractor) and $35 (plus $6 per employee or contractor).

There are various types of insurance schemes for the common man. They each have their advantages and disadvantages. What works for you can be chosen only after a detailed study and thorough understanding of all the finer details of each policy. Let us compare term life insurance and universal life insurance policies. Term life insurance is a basic insurance that is valid, as the name suggests, only for a specified period. And, if the insured person is alive at the time the policy period ends, then he or the beneficiaries of the insurance coverage are not compensated in any way. The insurance premiums paid thus far are rendered useless. Although the universal life insurance is more expensive than the term life insurance, the security of getting a certain payout at the end of the duration of this policy is satisfying, unlike in a term life insurance. However, universal life insurance, or permanent insurance as it is otherwise called, combines death benefits with a savings factor that can be reinvested or cashed at any time and, additionally this is also tax-free. But policy holders are penalized for pre-closing the universal life insurance earlier than its fixed term. Irrelevant for those who want to insure themselves against unforeseen accidents or mishaps, term life insurance is in contradiction, a good alternative for those who know for sure that their life is nearing an end because of a serious illness or health condition. But for those people who want a secure and definite payout after their life ends, universal insurance is the right choice. The choice of converting a term life insurance policy to a permanent insurance within a limited time frame is helpful for many who decide to do exactly that, considering the changes in their health or living situations. Although it is expensive to do so, term life insurance can also be renewed after its term expires. Despite being more complex than term life insurance, universal life insurance has its advantages. Withdrawals are made possible and loans are allowed against the insurance amount during the term of the policy.

Equity release is a process which refers to retaining an asset that has capital value, while the owner enjoys a steady flow of income from the said asset, owing to the capital value of the assets. This is normally done for house and property through which you can earn income, but with a condition that the income provider must be repaid at a later stage after the demise of the home owner. Equity release scheme is preferred by elderly who have no intentions of leaving their estate to any heir or cannot, after their demise. A common form of equity release in the country is also known as a reverse mortgage. A reverse mortgage is a type of loan which is provided to elder people who are not charged any monthly mortgage payments but are responsible for paying all property taxes and homeowners insurance. The loan payment is deferred without any problems for accessing the home equity. The interest component for availing the mortgage is added back to the loan balance which in time increases the value above and beyond what can be recovered from the home at that stage. The advantages of equity release include: The lump sum amount which you will receive as part of the equity release is a tax-free form of annuity return one can say. Income tax takes out a major chunk of your income and thus this tax-free benefit can prove to be quite handy. Estate owners have to pay inheritance tax which is a tax paid when the heir of the estate owner inherits any property or the estate from the said owner. This can be quite a substantial amounts and the big advantage is equity release helps reduce the amount of inheritance tax that needs to be paid. The housing market conditions influence the prices which keep fluctuating and thus there is no sure guarantee of good returns. However, with equity release, there is a no negative equity guarantee that will protect the borrowed from these fluctuating prices which can affect the overall value of the estate or property. Borrowers are free to refinance their mortgage a minimized cost with other finance providers owing to fluctuating interest rates. This is a big benefit when it comes to equity release. As mentioned earlier, equity release will enable the owner (borrower) of the home or estate to reside on the same property without worrying about repayments during the tenure of their stay up until their demise.

Writing is an activity that requires some amount of skill and creativity. Some people often find it exceedingly difficult to organize their thoughts and produce them in black and white. While many who are uninterested in writing, often maintain a distance from the activity, several occasions in life require them to write a piece or two. One of these occasions is resume writing. Resume writing is particularly tough as it is an activity that requires an applicant to effectively advertise their skills. A successful solution to this problem is the advent of resume writing services. Resume writing services help job seekers create an efficiently articulated and well-structured resume that can effectively describe the applicant’s key skills, competencies, experiences, and overall accomplishments. Resume writing services creatively combine a unique blend of marketing strategies along with your subjective strengths to create a resume that is not only outstanding but also extremely professional, and impressive. Several resume writing agencies offer a range of services to interested applicants. From basic resume writing service that includes organized and chronological structuring of critical information to resume editing, CV writing, CV editing; resume writing services do it all. Many resume writing services also offer to help candidates with their personalized cover letters. Often, people who are confident in writing, create their own resumes and send their finished works to a resume writing service for review, feedback, and suggestion. Often, employers need you to describe your unique set of abilities and capabilities in an impressive yet succinct statement. Many resume writing services offer additional facilities like these to jobseekers that better their chances of getting through. Some of these include distribution of resume to well-known agencies, writing thank you and follow up letters, and furnishing efficient KSA statements. Many agencies club additional services in a package to provide necessary assistance to interested candidates, besides resume writing. Some of these services include writing executive resumes, student resumes, IT resumes, military to civilian resumes, LinkedIn profile writing, and more. While there is no dearth of agencies that offer resume writing, it is important you wisely choose an agency that is credible and has relevant experience and expertise.

College is fun for most of us, and it is even better when the students are provided with a laptop. A student laptop nowadays is as important as the student identity card. However, buying a student laptop can be a tricky affair as you need to buy one depending on your requirements. Also, you need to shop smart as college fees are already very high and you should not feel burdened when buying a laptop. Asus Chromebook Flip C302CA This is a productive machine and features a 4 GB RAM and 64GB of flash storage (eMMC). It is well built and is speedy enough to handle most tasks. Although its aluminum body is slim, it will not bend over under pressure. Although it is a tad bit expensive than other machines, you will not get another sophisticated student laptop. HP Spectre X360 This laptop is powerful, lightweight, has great looks, has an above average battery life, has a touchscreen support, and is a perfect laptop for most students. Its latest version includes a stylus that makes it easy for you to flip the screen and draw diagrams or take notes directly on the screen. Overall, it is completely worth your money. Dell Inspiron 13 5000 If you are looking for a powerful high-end laptop with a low cost, this is the one for you. It features a fast processor and has just the storage and memory space making it a good student laptop. Also, this laptop is easy to fix in case it breaks. In fact, Dell offers a manual that helps you replace nearly all the laptop’s components yourself thereby ensuring its durability. ACER Aspire E 15 This is a fully featured and cheap laptop that every student can think of buying. It boasts of a 15.6 inch 1080p screen, a DVD burner, 4GB RAM, a 7^th Gen Intel Core i3 processor for around $350. You can easily upgrade both the memory and storage space. Microsoft Surface Pro 4 Unlike most 2-in-1 laptops that come with an attached keyboard and are bulky, Surface Pro 4 comes with a detachable keyboard cover. Although it will take you some time to get used to writing on the detachable keyboard, it is perfect for students having lots of notes to write or drawings to make. This student laptop also has a best-in-class stylus that is built to allow you to work on various angles. Razer Blade One of the best performing laptops, Razer Blade can easily replace your old gaming computer. It comes with a Nvidia GTX 1060 graphics chip that is great for modern games and virtual reality. A major drawback in this otherwise a cool student laptop is its poor battery life and loses its charge within a few hours of use. Again, although this is an expensive laptop for most, game lovers cannot afford to lose the opportunity of getting hold of this laptop. Apple MacBook Air Design wise, this Apple Macbook hasn’t changed much since its debut in 2008. However, speaking of its performance, it is fast enough to handle basic tasks such as photo editing, word processing and web browsing. The laptop’s highlight is it super responsive and an easy-to-use multi-touch touchpad. A drawback with this laptop is that you will lose contrast on tilting the screen downward and it has a narrow viewing angle which is a bit let down. However, it is good enough for daily tasks like chatting, writing emails, etc. Also, its display is 1440x900 which is below average as most laptops now-a-days offer displays of 1080p or higher. From sleek ultra portable laptops to traditional style laptops, cheap laptops to expensive laptops, a student can choose from a wide range of laptops depending on his needs. However, it is recommended that you shop around a little longer and look for a student laptop that fits the bill perfectly.