When you plan for your future, you need to consider quality investments. An investment is when you buy an asset in the hope that it will generate an income or appreciate in value in the future. Are You Prepared? You're never too young to start investing. However, investments have an element of risk; you should prepare to face these. Build up some savings. Clear your debts. Put aside money in employer sponsored and personal retirement plans. While you're doing this, you can start investing a percentage of your spare funds. What Should You Invest In? There are a variety of investment options. You can invest in a small business, become a partner and hope to get a share in the profits. You can buy stocks in a publicly trading company and hope the shares result in dividends or rise in value. That can earn you a profit. You can buy fixed income securities such as corporate bonds, US Treasury Bonds, or commercial papers. These aren't like stocks, where you receive a percentage of the profits and losses of a company. Instead, you're lending the amount to an entity and you're paid interest. These investments are generally less risky than equity investments. You can invest in real estate. If you own a patent, copyright, or intellectual property, that's also an asset that can generate long term income. How Do You Invest? You cannot directly buy stocks or bonds. To start investing, you need to set up a brokerage account. This allows you to access stockbrokers, who will buy or sell securities on the stock exchange on your behalf. You can use a discount broker service or a full service one. Discount brokers follow your instruction on what to trade. They don't provide advisory or portfolio management services. You make the decisions and instruct the broker to buy or sell securities. You then pay them a commission for the service. Full service brokers offer advice on what to buy or sell. They manage your investment portfolio, and provide full money management services. But, full service brokerage costs a lot. These facilities are only available to large investment accounts, generally $500,000 and above. If you want help to build your investments, you could choose mutual funds. Your money goes into a common pool of funds, with contributions from several investors. A fund manager utilizes this fund to pick bonds, shares, and other instruments to invest in. This creates a common portfolio that everyone benefits from. Regardless of what you invest in, remember that you only gamble what you can afford to lose. Keep your money in low risk investments unless you're comfortable with the swiftly changing nature of the stock market. Ensure you receive advice from reputable firms and plan ahead to create a stable financial future.

Since its unveiling in January and launch in March 2017, the Nintendo Switch has been one of the hottest picks for approximately 20 million gamers across the world. And now the highly anticipated Nintendo Switch Online service is all set to make its entrance in the second half of this September. The release of Nintendo Switch Online has been in talks for a long time. The gaming giant has been working on its online services since Switch made its way into the market in the early months of 2017. The online subscription service is a first for Nintendo, giving it a competitive edge against major rivals like Sony and Microsoft, which already have premium online services for their flagship gaming consoles. This paid service could help overcome Nintendo’s significant shortcomings including the inability to save games on the cloud and lack of voice chats. Features of Nintendo Switch Online Cloud backup One of the most prominent features of Nintendo Switch Online is the cloud backup. International gaming brands, particularly PlayStation and Xbox have had their cloud storage services for quite a while, giving them an upper hand. Introducing cloud storage, therefore, has been one of the top priorities of Nintendo’s online service. This much-requested feature is imperative as backed-up data on Nintendo servers facilitates easy access in case the data the lost. Furthermore, cloud storage comes in handy if the users want to get an additional or new Switch system. Unfortunately, not every Nintendo Switch game will support cloud backup. Online Play Once the Switch Online services are launched, users will need a membership to gain access for multiple-player modes and additional competitive features for some existing and upcoming games such as ARMS, Mario Kart 8 Deluxe, Mario Tennis Aces, Sushi Striker: The Way of Sushido, and Splatoon 2. This is also applicable to some third-party games on Nintendo such as Diablo 3: The Eternal Collection. The Nintendo games that will be requiring a subscription plan have attached a disclaimer to their respective pages to notify users. At the moment, games such as Fortnite and Paladins have not made any such announcement on their page, so it is more likely for them to be free for all users in the future. Voice chat Games like Fortnite are equipped with an in-built voice chat feature. Though, this is not the case for every Nintendo game. Although, now the Switch Online will also comprise a voice chat option like its counterparts PlayStation Plus and Xbox Live. However, there’s a little hiccup. Both PlayStation Plus and Xbox Live have a standard built-in voice chat feature. On the other hand, for using the voice chat option rendered by Switch Online, players will have to download Nintendo Switch Online app (available on Android and iOS). In simple words, gamers will be expected to use two separate devices, i.e., one to play and one to communicate with fellow players online. The Switch Online app also has an online lounge which allows the gamers to send out invitations using the Nintendo Switch system's friend list. Similarly, the app enables the users to send invites using messaging services and social media platforms. Classic NES (Nintendo Entertainment System) games Gamers who have subscribed to PlayStation Plus or Xbox Live acquire access to free games every month. Likewise, Nintendo Switch Online members will now also get to enjoy similar rewards. However, there is a catch. The Switch Online users will get access to older games rather than the new ones. When Nintendo Switch Online opens for its members, they will get access to 20 classic NES games. Moreover, these classic titles will offer an added online play, so the users don’t have to agonize over having a second player in the same room as theirs. Out of the 20, Nintendo has only revealed the names of 10 games. The following are some of the titles announced by Nintendo.

• Soccer
• Tennis
• Donkey Kong™
• Mario Bros.™
• Super Mario Bros.™
• Super Mario Bros.™ 3
• Dr. Mario™
• Balloon Fight™
• Ice Climber™
• The Legend of Zelda™

Subscription plans for Nintendo Switch Online users Nintendo has come up with two sets of memberships, i.e., individual and family. The pricing details are as follows – Individual membership

• 1 month – $3.99
• 3 months – $7.99
• 12 months – $19.99

Family membership

• 12 months - $34.99

Up to 8 Nintendo account holders with a family subscription will be allowed to use the Nintendo Switch Online services. Moreover, these services can be availed of using different devices. The best part about Nintendo’s subscription plans is that they are pretty affordable and designed for all types of users. As compared to Sony’s and Microsoft’s annual membership which costs approximately $60, the yearly plan offered by Nintendo Switch is way cheaper. When the online subscription service is introduced, users can purchase the subscription plans via Nintendo.com or Nintendo eShop. Likewise, users can pre-order three-month and annual individual subscriptions from retailers such as Amazon, Best Buy, and Game Stop.

A refrigerator is an essential appliance for every household and any food-related business houses such as caterers, restaurants, food store, etc. Different kinds of refrigerators serve different purposes, and you can choose the one that caters to your needs. A few reasons to have a refrigerator are to save extra food, save shopping time, preserve seasonal fruits and berries for the year, and keep food fresh for a long time. To make the most from your refrigerator, you should have a clear idea about the freezer as well. Types of freezer Primarily, two types of freezers are available in the market namely the chest freezer and the upright freezer. Among these, the perfect choice for you would depend on a few factors like space availability, energy consumption, and personal preference. Features of an upright freezer Upright freezers are excellent food storage units, mainly for domestic purposes. There are numerous features of this freezer that makes it suitable for household use. It occupies less space and can easily be accommodated in any area of your house. In an upright freezer, you can store the food vertically. It takes very small floor place; hence, a variety of food can be stacked in an upright freezer. Temperature adjustment is pretty simple and can be changed according to the weather. Other less prominent features include an interior light that automatically turns on when the door is opened, wired or glass baskets, shelves to keep bottles and cold drinks, and a basket to store meat. Is an upright freezer a good option? Upright freezers are more convenient to use when compared to chest freezers. The stored items can easily be accessed, and the freezer occupies much less space. The appliance improves the aesthetics of your home as well. However, these pros come with a price. Upright freezers are more expensive than chest freezers and consume more power as well. Prices of upright freezers start from $100 and the price varies based on the features available. For household purposes, where convenience and easy accessibility are important, an upright freezer wins the race. Tips to save energy in an upright freezer Here are a few tips to reduce the power bills while using an upright freezer.

• Shut the door properly.
• Store food in the freezer in an organised manner.
• Keep the door open for as little time as you can.
• Place the freezer in the coolest part of your home and keep it away from any heat producing equipment.
• Control the temperature of the freezer according to the need and the weather.

If you are an organised person and love to store your food systematically, an upright freezer is a perfect option for you. Though it consumes more energy and costs you more than a chest freezer, it can fit in a small place and can store more food for you. With multitudes of retail stores and online stores offering this product, choose an upright freezer of your choice and enjoy your favorite food, now and then.

Merchant services is a primary system that along with the technological advancement and the constantly evolving world of e-commerce has helped businesses to up their games in order to meet their customers' varied needs. Since the growth of a business is intertwined into the growth of their customers, it is crucial for businesses to set up easy and hassle free payment gateways through which the customers could make their respective transactions without having to always physically walk into a place of business to sort out any glitches. While a business may find it extremely difficult to set up individual payment modes and then allocate separate resources to monitor the successful use of these payment modes, a merchant service provider could be the business solution provider where all the needs of the business as well as that of the customer could be taken care of. Most importantly, the merchant service provider could protect the interest of a business by employing a dedicated system to suit the business' working model and at the same time integrate it into the updated payment models that are available world wide so that the parties involved could have the ease of handling transactions all year round. While credit card transactions had been the only concern a decade ago, the world is far more updated with other forms of transaction modules like e-wallets, P2P, electronic fund transfers, etc. While the customer payment mode may be simple, a business has the responsibility to ensure that the customer's payment modes can be accepted by the business, and has to be primarily routed into the businesses' bank accounts so that no single dollar would be lost in transaction. The successful completion of a transaction will ensure a happy customer as well as any returning customer, as customers do not like to waste their time and would take their purchases else where if the payment server keeps constantly failing, if there are only limited payment options, or if the payment process is too complicated. The merchant service providers work on 100% customer satisfaction needs by providing round the clock support to the businesses' customers. The business too can expand into various arenas and develop their business on a grand scale due to the ease of payment modes for customers. The internet revolution has certainly contributed to the growth of agencies due to the simple and easy management of business transactions through merchant service providers, without which, a company that uses third part service providers or has separate banking accounts will find it tiresome to keep records of all their transactions.

While promising yourself always to keep your car clean and shiny is a good thing, your car get dirty even after the regular cleaning. Keeping the car's exterior clean is not a big deal, but it is the interiors of the vehicle that poses a challenge. While wiping or vacuuming the floor of the car helps, it is not enough. The problem here is that over time some stains get absorbed and leave permanent marks on the floor. The answer to this is a new car floor mat. Here are the best car floor mats that will help you keep your car floors clean. 1. ArmorAll rubber floor mats ArmorAll is a big brand that specializes in automotive accessories for every part of your car. The rubber floor mats are four piece mats that will fit perfectly in your car, SUV, or truck. It is 100 percent trim-able so you can adjust it anywhere. The mats are anti-slip which prevents them from slipping and moving around. 2. BDK heavy duty rubber floor mats The BDK weatherproof and heavy duty rubber floor mats are the perfect options if you are looking for affordable mats. These are designed to stand extreme weather temperatures and will never crack or cringe even under pressure. These mats have a backing area which prevents it from slipping around. It is available in beige, black, and gray. 3. MotorTrend FlexTough rubber floor mats MotorTrend is a company which specializes in interior accessories for vehicles. The FlexTough rubber floor mats are designed for the four parts of the floor in your car. It is durable in extreme cold and heat. These are BPA free which means it is eco-friendly. This rubber floor mat is available only in black. 4. OxGord Universal Fit three piece ridged mats The OxGord Universal is a famous brand and many users recommend it. It has an easy installation and you can fit the rubber mats in your car, SUV, van, or truck. It is made up of 100 percent rubber and is all weather proof which means it will protect your vehicle against boots that have walked through snow, rain, sleet, and ice. It is easy to clean and is flexible and durable. You can choose from an option of four colors. 5. WeatherTech Trim-to-Fit HD mats WeatherTech is a highly recommended brand for automotive accessories. It is known as the trim-to-fit-all mat because it fits in all types of vehicles. It has unique designs which won't crack, harden, or curl in rough weather conditions. These rugs are easy to use and easy to cut, which means you can cut and make your own car floor mat by yourself. So get your new mat soon and keep your car floor squeaky clean.

Insect bites are a common phenomenon and cause mild to severe symptoms, depending on the type of insect. Typically, symptoms due to insect bites vanish in a few days with normal medication, but in a few cases, the condition may become serious. Thus, identifying insect bites and an immediate treatment is recommended. However, identifying insect bites can be tricky and may require the advice of an expert. However, here is how to identify some common insect bites.

• Tick bites: Ticks are vectors for transmission of several diseases such as Lyme disease and Rocky Mountain spotted fever. A characteristic ‘bulls-eye rash’ generally develops at the place of bite, which may comprise single or multiple rings.
• Mosquito bites: Mosquitoes are perhaps the most common insects around us. Moreover, they are also the carrier of several diseases such as Zika, chikungunya, malaria, and dengue. Initially, the bite is white with a red dot at the center, which turns red after some time. An urge to itch the mosquito bite is common.
• Flea bites: Flea bites are painful and irritating. Another concern is that they can even transfer tapeworms. Identifying insect bites caused by fleas is easy as they lead to red bumps on the skin with an itching sensation.
• Brown recluse spider bites: These bites form a blister and the affected individual feels itchy and experiences pain. In severe cases, it may lead to necrosis, where the tissue appears dark and the affected tissue must be removed. If you suspect a brown recluse spider bite, seek medical help urgently.
• Bed bug bites: These bites are characterized by several continuous bites that generally appear like a line on the skin which is in direct contact with the bed, such as legs or arms. They may naturally go away after some time. However, in cases of intense itching, doctors generally prescribe hydrocortisone creams, which help in relieving inflammation and the associated pain.
• Chiggers bite: These bites resemble pimples and have a red bump at the center. These red bumps are itchy and the bites are generally harmless.
• Fire ant bites: Identifying insect bites caused by fire ant can be done by looking for red spots on the skin which develops pus. They appear like pus-filled pimples.

Insect bites are commonly visible signs of skin irritation and underlying inflammation. You must take necessary precautions, such as use insect repellents, cover your legs and exposed skin completely, avoid going to susceptible areas during dusk or night time to avoid these bites.