Does the difference between a savings account and a checking account confuse you? Not sure what account suits your needs? Let us help. Before we start, here are a few key points to remember - Checking accounts are meant for recurring usage. This account is ideal for daily transactions and lets you issue cheques against the checking account. However it offers very little interest. Savings accounts are established to encourage less usage and are ideal for saving money over a span of time or to establish an emergency fund. These accounts charge heavily after a limited number of transactions. However, they offer larger sums of interest over the financial year. Both accounts have multiple pros that support different needs, Here are a few key points to keep in mind before opening either account. Account fees: An important factor to keep in mind is the fee that may be applicable when you open either account. A checking account for instance allows you to access funds at your convenience. However, some banks may impose a minimum balance for the account. This type of account permits functions like overdraft and external online transaction facilities. A savings account limits the number of transactions and only allows you to withdraw a portion of the money deposited in the account. This account limits transactions to limited banks. The account holder must transfer the funds to a checking account before withdrawing those funds. This is in order to limit access to the funds. Interest rate: Checking accounts generally yield little to no interest. On the other hand, savings account accumulates interest. The interest rate on savings account differ between banks and depend on the time span and amount invested in the account. Online transactions: Checking accounts are easily accessible online. They allow the account holder to make most bill payments and purchases online. Savings accounts usually do not permit these transactions. However, they allow the holder to transfer funds to a checking account in order to access these functions. Restrictions: There are little to no restrictions on withdrawals on checking accounts. This means the account holder is free to access their account any number of times in a day or month. However, savings accounts usually restrict the holder to 3 to 6 withdrawals in a month. There are no restrictions on depositing funds into either type of account. Availability Of debit cards: Checking accounts often come with debit cards that also act as ATM cards. This eases access to funds. Savings accounts usually do not offer the facility of debit cards. Account holders must usually conduct transactions either in person, online, or by phone. It is possible for a person to maintain both a checking account and a savings account. While the former grants ease of access to funds, the latter encourages the account holder to save. Checking accounts are meant to help those who require frequent access to their account. Savings account offers account holders higher interest rates. They are usually used to set up a college fund or emergency fund and encourages long term investments.

Electrolyte drinks are a beverage that possess a high percentage of electrolytes, carbohydrates, and vitamins. These drinks are consumed at frequently by sports persons, athletes and gym enthusiasts as they help them recover electrolytes lost in their sweat. There are a variety of electrolyte drinks that can benefit you in different ways. Some of the drinks are high on oxygen to support your liver, some are low on sugar and fats to keep you hydrated; don't add any unwanted calories and so on; let us look at some benefits of these electrolyte drinks: Electrolytes Top 10 electrolyte drinks usually comprise of Sodium, Potassium, Calcium, and Magnesium the four essential electrolytes that we lose in sweat. These drinks have a significant percentage of electrolytes in them. Electrolytes play a pivotal role in providing you with the energy that your body functions on. When engaged in a strenuous activity, your body tends to perspire which results in you losing a bundle of electrolytes, hence tiring you. These drinks help in replenishing the electrolytes lost by your body, at a fast pace. Having an electrolyte drink before engaging in a workout or tiring activity is also advisable to help you perform better. Carbohydrates Along with electrolytes, sports and energy drinks also have a high count on the carbohydrates. Carbohydrates are the primary source of energy to the human body; they provide glucose after they break down during the digestion process. Sports drinks add the necessary glucose that your body loses after engaging in tedious activities. Most drinks mentioned in the top 10 electrolyte drinks list contain an average of 14g of carbohydrates. Vitamins and Minerals Electrolyte drinks comprise of B-complex vitamins like B-3, B-6, and B-12 on high levels. These vitamins are principal contributors to the energy metabolism and are associated with the following activities:

• Vitamin B-3 converts food into energy and helps in the digestion process
• Vitamin B-6 contributes to the red blood cells creation; these cells increase the oxygen in your blood stream
• Vitamin B-12 helps in maintaining a stable count of your red blood cells

Replacing lost fluids Along with providing the body with vitamins, minerals, carbohydrates, and electrolytes these drinks also make up for the fluids that are lost by the body due to a tedious activity. At an average, a body requires about one and a half to four cups of water, depending upon the strong nature of the exercise or the tiring activity undertaken by the individual.

A dividend is a payment every single quarter made by the company to its shareholders. You can change the dividend payout rate if you are a major shareholder and have the dividend payout twice, thrice, or even our times a year. However, basically, dividends are paid every four months. However, the typical way a company pays out the dividend is in cash or shareholders can get them in stock bonuses or more shares. We all like good dividends as they are a great way to make sure you get paid from your investments. However, remember that not every stock pays out a dividend. Here are the top 7 best dividend stocks and companies: Apple Inc.: Apple is the number one company, also when it comes to paying dividends. The dividend they pay is around 2% “ they pay out about $2.28 per year in dividend to the current shareholders. Their EPS is about $8.58 per share which is their profit rate and that's way higher from what they are paying as dividend. Apple shows in their statics that their income increases every year which means their company will be able to give out a higher dividend in future. Google: Google is a company that is moving aggressively in terms of net income per year. We can see an increase in the rate of profit in billions every year. Although they don't pay dividends, they have the potential to pay dividends in the near future. They have got $25.81 earnings per share which means they are way healthy company they have too much cash on their balance sheet and they would definitely start paying dividends as they shareholders would start demanding it. The Home Depot: The Home Depot pays pretty good dividend as now as it is around 2.2% in yield. They pay $2.78 dividend per year per share and their EPS is around $5.91 which is a little under. Five years ago, they netted $5.3 billion is profit and the next year they increased a billion dollars more in profit and they now earn up to $8 billion in profit. The company is getting more and more profitable as well as better and better in paying dividends. Oak Tree Capital: The Oak tree capital pays a dividend of 5.6% per share. Their profitability seems to be pretty strong. Oak tree is known as the alternative investments manager that narrows down to distressed debts. With over $20 billion in cash, they get to pay attractive dividends. Brookfields: Brookfields infrastructure partners which has a limited partnership holds a 4.5% dividend rate. Their dividend rate is great when you see the steady growth of the company and their stock price has been increasing more than the previous years now. They provide road power transmission lines, ports, pipe lines and lots more that generate steady recurring cash flows, setting the stage for handsome dividend payouts in the future. Diageo: Having the pride of calling itself as the largest booze company in the world, Diageo is a chief company that provides the best dividend stocks in UK. It holds the record of highest volume of sales and operating profit globally. Though a Chinese beverage company Kweichow Moutai is gearing up for a tough competition DEO still has occupied a boundless realm of over 180 countries with 29 leading brands. DEO shows a 14% increase in its sales and 28% boost in profits. Hence manages to pay dividends up to 5% with a stock yield of 2.5%. Total SA: A petroleum refining company, is a multinational integrated oil and gas company and one of the major oil companies in the world. Total SA has its headquarters in France, Europe which produces major dividend shares. It has numerous assets across the world including oil fields to pipelines and refining capacity. The company has raised its income to $25 billion by reducing their capital expenditure. This effort has paid off well to provide a dividend of 5.1%.

There are a number of options when it comes to renting a place, ranging from single bedroom apartments, to duplex, to condos, to townhouses and more. but with so many options available at attractive prices, it just might become a bit difficult to choose from. Here are a few reasons why a duplex should be preferred over renting other residential properties. Work from home: Duplex homes are designed in such a way that you can easily create a separate office space for yourself. Apart from spacious living spaces and communal spaces, duplex offer the flexible option to people who work from their homes or have a job that requires them to commute only a couple of times to office in any given week. The layout of a duplex helps balance both your work life and home life, keeping them separate at all times. Rent out the extra space: If you just happen to own a duplex, you can let out he additional portion of the house for travelers and tourists searching for vacation homes. Vacation rentals are generally for a shorter duration and the occupants keep on changing, but you are free to charge good rates and people will generally prefer a full apartment to rent instead of jus renting out a single room. Shared backyard or garden: Nowadays it is impossible to find a decent space in the city which also happens to have a decent backyard or small garden. But duplex are designed by default to have a garden space which is of course shared with your neighbor next door. This is any day better than having no garden at all, for a number of reasons. The occasional breath of fresh air, and a nice little garden for you kids to play will be a good change form the over polluted and crowded parks and so called recreation facilities in the city. No matter how well they are maintained, public parks will always be over crowded on a nice warm sunny weekend where you kids have to wait for their turn to get on the slide. Build a small one in your backyard with a nice porch swing to go with where you can relax and have all the privacy you need, provided there is a wall which splits the shared backyard space. Plenty of space: Compared to renting two bedroom apartments or even a nice condo in the city, duplex will always feature more space and all the power outlets you can install to make sure there is enough for the number of appliance and kitchen utilities you can install. The living space and communal areas will also be spaced out to maximize comfort and promote a cozy living.

A flagship from the American multinational technology company, the Apple iPhone X can make every phone lover go weak in the knees. From a futuristic suave design, to notably eye-catching features, the iPhone X is a deal that hits all the right spots. Well, the $1000 price tag can surely put you in a frenzy. Is buying the high-end model actually worth all those bucks? The Apple iPhone X packs in a unique experience that must indubitably push to thinking about buying it. If you still cannot make up your mind, here are five reasons why you should buy the iPhone X. It is so much more than basic The iPhone X follows the route of minimalism, which gives it an extremely sophisticated design. Sans the home button, the front screen is devoid of any clutter. Moreover, the clenched together by a slick stainless-steel band that only goes on to double the luxurious feel. The screen is 5.8 inches in size with a "Super Retina" resolution for unreal display. The beautiful body is built to stand a class apart. The best of images Apple's iPhones have been lauded for their camera perfection. However, the brand goes a notch higher with the iPhone X. The phone is fitted with an upgraded camera system and has the added bonus of optical image stabilization. This brings a slew of abilities that include clear images and better low-light capture. Do it without the home button The Apple iPhone X dumps the home button and has focused on the standardization of gestures. This makes the user experience more intuitive and pleasant rather than just pressing a button. The feeling may be overwhelming in the begging but you'll be just fine once you've passed the learning curve. Faster performance Accustomed to the fast-moving world? The iPhone X can truly compliment your want. The phone comes armed with an A11 Bionic chip that is can deliver a performance that is 70 percent faster with its four high-efficiency cores. Bottom line, there is an impressive boost in augmented-reality performance and this is one of the best reasons to buy the Apple iPhone X. Play around with Animoji This may sound fatuous, the Animoji can be a seriously fun to play around with. In no time, you will be hooked to this new iPhone X feature. With the TrueDepth camera up front, the characters can mirror your expressions. You can also short clips of yourself in the animated form and send them across to your friends. Sounds fun, right?

If you are looking for buying some worthy laptops or computers the HP Computers Laptops Sale can be the right place to shop for the products. There are a range of options and you can choose from among numerous HP laptops or computers in the market. Below are listed some of the most innovative range of products from which you can choose the best suitable for you. HP Envy Laptop 15 inch Touch: HP computers laptops sale is the appropriate place to purchase the HP Envy Laptop which comes equipped with Widows 10 Home and has 7^th generation Intel Core processor and comes with 8GB of memory and has 2TB HDD storage. The 15.6” diagonal FHD touch display makes the HP Envy laptop an better deal to buy. The day long battery life of HP Envy Laptop also makes it’s a viable entity and it can be used comfortably for completing and official or personal engagement. OMEN Laptop 17 inch gaming: This is another one of the laptops which can be purchased from HP computers laptops sale and comes equipped with a Windows 10 Home. The 7^th generation Intel Core i7 processor laptop comes with a 8GB memory and has a 1TB HDD storage. The laptop comes with 17.3 inch diagonal display and offers a 4K IPS display on selected models. In case, the user is not satisfied with the laptop, the same can be returned within 30 days of the purchase. OMEN laptop is equipped with 6-cell 62 WHr Lithium ion battery and has a super multi DVD burner. The full size backlit keypad is another of its innovative additions which makes the OMEN laptop a viable product which can be purchased from HP computers laptops sale. HP Pavilion x 360 Convertible laptop: This is another of the HP laptops which you can purchase from HP computers laptops sale and is equipped with latest Windows 10 Home. The 7^th generation Intel Core i5 processor equipped laptop comes with 8GB of memory and has 128 GB SSD storage. The laptop has 13.3 inch diagonal HD touch display and has 8GB of memory. The hard drive of HP Pavilion is 128 GB and 256 GB which makes it powerful enough for finishing any personal or professional task at hand. It comes in natural Silver and Modern Gold color which makes it a necessity for people who love to play with colors and want to showcase it among their friends. The laptop offers a battery backup of up to 9 hours and 15 minutes. It is an energy efficient device as it is Energy Star certified. HP Pavilion x 360 convertible laptop comes with 1 year of limited hardware warranty. The users can also avail of antivirus for a period of 30 days on trial basis. HP Pavilion x 360: This laptop from HP comes with a Windows 10 Home and is equipped with Intel Pentium Processor. It has 4GB memory and offers storage of 500 GB with some HDD storage. The laptop has Intel HD graphics and comes with 11.6 inch diagonal HD touch display. This laptop comes with a durable 360 degree hinge which makes it for the users to make it usable in any position they prefer. This laptop is easily convertible into a form where it can be used for taking notes and drawing with such ease that is a great attractive feature of this product which you can buy from a HP computers laptops sales. Choose any of these laptops from the sale near you and make your personal and professional life better and easier to manage. Still waiting, head to the nearest HP sale and make a worthy purchase for yourself.