Online MBA has its own share of upsides and downlows. It completely depends upon you, as to which pros will lead you to opt for online MBA and what cons will make you reconsider. Here are a few pros and cons that will help you decide better. Pros The main advantage of an online MBA is the ability to pursue your degree while maintaining your current career path. People involved in time demanding work schedules often are unable to devote their time into campus learning. Online MBA is a good option for people with tight work schedules, as it allows them to learn in a virtual learning environment that is accessible 24/7. Another advantage of online programs is that you don't have to relocate to receive the post-graduation. There is an increase in the number of schools that offer online MBA. Cons Online MBA programs have their own set of drawbacks. For students who learn best by attending lectures practically, an online program might not be the best option for them as the interaction and coaching is through a virtual medium. Online MBA programs are conducted by streaming lectures on the internet. So, If you are looking for personal attention, then an online program may not be for you. Another disadvantage with online learning is that you will miss out the advantages associated with a traditional on-campus experience. For example, students looking for internship or recruiting opportunities during their post graduate education may not get as much options in an online MBA program as on-campus programs offers, as campuses are likely to provide career services or host hiring events. Weigh your options Students learning on-campus are receiving the same education in terms of courses and curriculum. Some assignments or projects may differ as they are tweaked to accommodate into an online format. For example, a project that is assigned to a group of students participating in a campus program may be sized down for an individual student enrolled in an online program. One of the biggest differences between online and campus learning is the way curriculum is progressed. Campus programs have in-person classroom lectures, face-to-face discussions and assignments that are submitted directly to instructors or professors. Internet plays a major part when it comes to online MBA. Students use the Internet to watch and stream a video lecture and participate in a discussion via chat room and submit assignments by uploading them via the internet. Online programs deliver the same content and require the same amount of effort as put by campus learners. The difference is in the mode of learning.  

The ovaries are an important part of the female reproductive system. They are typically walls that are located below the abdomen on both sides of the uterus. The hormones estrogen and progesterone are produced by the ovaries; the ovaries also produce eggs. An ovarian cyst is a high possibility among women; it is typically a fluid-filled sac. Most of the women develop at least one ovarian cyst in their entire lifetime. Ovarian cyst symptoms can be quite vivid, although in most cases these cysts are not painful. In most cases, ovarian cysts do not have any symptoms. However, in some cases, there can be some symptoms if the cyst grows bigger in size. Here are some symptoms:

• Abdominal bloating: The cyst forms in the walls of your ovaries and can usually lead to your abdominal bloating or swelling, and can cause a little pain. This bloating is similar to the bloating during menstruation.
• Painful bowel movements: The bowel is a part of the intestine and can suffer from pain when you develop an ovarian cyst. When the bowel moves, you might witness a strain on your vagina due to the cyst.
• Pelvic pain: The pelvic pain is one of the most common symptoms of an ovarian cyst. The pain can be at its peak before or during the menstrual cycle.
• Painful intercourse: If you indulge in sexual intercourse while having an ovarian cyst, it can cause some pain to you around your ovaries, as you encounter pelvic thrust during the intercourse.
• Pain in lower back or thighs: If you are someone who witnesses heavy cramps in their stomach and thighs during menstruation, then you are prone to face the pain even when you encounter ovarian cysts. This is a common ovarian cyst symptom as most women witness pain while menstruating.
• Nausea and vomiting: If your cyst stays for a long period, then it could cause trouble to your digestive system. This could lead to nausea and vomiting.
• Fever: A fever is a rise in the temperature of your body, this is usually when your immune system is fighting some bacteria or disease. Just like nausea, a prolonged stay for your cyst can also lead to a fever, which usually subsides in a day or two with the right medication.
• Rapid breathing: If you encounter rapid breathing, dizziness, faintness or a feeling of being light headed, you must consult a doctor at the earliest and, possibly, get your blood pressure tested.

The benefits proffered by Medicare insurance Part D are quite complicated. But these simple and straightforward tips can assist you in saving thousands of dollars each year. As a beneficiary of the Medicare Part D plan, you have a number choices to make. Experts suggest that choosing the best Medicare plan is of paramount importance. It will save you frustration and unwanted expense in the future. Spend time planning and be prudent in selecting the right plan. It may spare you from unwanted stress and ensure that you have access to the critical medicines you need. Why Would I Need the Part D Benefit of The Healthcare Plan? Most people enrol in part D because the price of the prescription drugs has increased. It is estimated that $1 from every $6 spent on Medicare is used for outpatient prescription drug costs. In previous years, Medicare plans didn't include a subsidy on drugs. In the past, low income earners had to decide between buying groceries or purchasing prescription drugs. This has improved to a great extent since the inception of the Part D Medicare benefits. Invest in part D plan to ensure that you receive the prescription drugs you need without difficulty. Following are a few tips which will help you choose the best Part D Medicare plans. Understand What You Already Have: Your first step is to have a clear understanding of your insurance plans. You have time from mid-October until the first week of December to look around and compare plans. You may not be able to change your plans outside this time window, so you must weigh your options before then. Some people are content with their current Part D cover, while others are not. If you belong to the former group, you should shop around anyway and see if you can save money in the process. Check The Formularies and The Costs of Drugs: The plans can change their list of entitled medicines and their costs each year. This is because prescription drugs can be expensive and plans may vary charges. You should note that the Part D plans can add up what you have received before the approval of the current plan. This process is called pre-certification, or prior authorization.

Cell phones are one of our closest companions these days because of their use in every walk of our life. We can make and receive calls, send and receive text messages, connect to the internet, browse our favorite websites, stay connected with the friends through social media networks, and use the cellphone to create a Wi-Fi hotspot to connect other devices. We can make two major divisions of cell phones available in the market. Locked cellphones would be restricted to a particular carrier as it comes with an inbuilt SIM that cannot be removed. The plans would be made according to the features of the cellphone. Another most preferred variety is unlocked cellphones. The user can slide in any SIM in the phone and start making calls. Thus, the phone would not be restricted to a particular network. Among many brands and varieties of latest unlocked cell phones, the Blu Advance 5.0 is one of the best cell phones because of its marvelous features and benefits:

• Appearance This smartphone comes with a 5-inch display with a smooth metallic finish on the front and leather-like finish on the battery cover for splendid looks and to avoid slippage from hands. This smartphone would be available in glossy white and matte black colors that look absolutely stunning. Beautiful design is one of the most admirable advantages of this range.
• Processor The Blu Advance 5.0 comes with the best-in-class 1.3 GHz quad-core processor that ensures faster processing speed. This feature would ensure faster downloads, lag-free browsing and better operation of various apps.
• Memory This smartphone has 4 GB inbuilt memory and expandable to 64 GB external storage. This is a great provision for users who like to store a lot of pictures, videos, songs, movie clips, and presentations on their smartphones. Thus, the users would get an ample amount of space to save their favorite things. Larger RAM assists for multi-tasking as more of apps can be kept open simultaneously.
• Battery A powerful 1800 mAh battery provides continuous backup for many hours when fully charged.
• Camera This smartphone comes with dual cameras. A 5-megapixel camera can be used to photograph and shoot various things in nature and our daily routine. Quality of pictures would be fantastic due to the better resolution of the camera. Additionally, a 2-megapixel camera on the front side would be useful for making video calls to the loved ones or during work to understand the scenario on sites.

Thus, the smartphone is fully loaded with most of the features that aspirant buyers would look for in a smartphone. Importantly, all these features would be available at affordable cost. Thus, we can buy the smartphone online or from retailers and enjoy the features for years owing to its durability.

While taxes and death, both are inevitable, one might be able to do something about the so-called death taxes, i.e. the estate and the inheritances taxes. Essentially, when a person passes away, an inheritance or an estate tax, or sometimes both are levied on the assets and properties that are transferred to the beneficiary or beneficiaries. This article explains the death taxes as well as outlines the states which levy both these taxes individually as well as the states where the taxes overlap. Estate and inheritance taxes Estate taxes are levied on the assets, properties and money amounts that pass down from the decedent to his/her heirs. The tax is levied on the estate's value. The federal estate tax exemption is $5.49 million, with a maximum tax rate of 40%. This means that the Internal Revenue Services (IRS) will only tax the value of the estate higher than the exemption amount. While the federal estate taxes cannot be avoided, the state estate ones can be dodged, depending upon where you live. As of 2017, 14 states (plus the District of Columbia) levy their own state estate taxes on top of the federal estate tax. These are Washington, Massachusetts, Oregon, Rhode Island, Minnesota, Maine, Connecticut, Vermont, New York, NJ, Maryland, Illinois, Hawaii and Delaware, plus the District of Columbia. Inheritance taxes, on the other hand, apply to the property or gift bequest of an individual, essentially meaning each and every of inheritance including money, assets and property. Thus, while estate tax is paid on the deceased's estate value, inheritance tax applies to individuals, i.e., each of the beneficiaries who inherit the decedent's estate pay inheritance tax. As of 2017, the six states of Maryland, Iowa, Kentucky, Nebraska, Pennsylvania and NJ levy inheritance tax. Tax exemptions and rates Washington appears to be the costliest state to die in, with a maximum tax rate of a whopping 20% and an exemption amount of just $2.1 million. Washington's tax rate is a whole 4% higher than the next ones in line Oregon, Massachusetts and the District of Columbia which have low exemptions of just $1 million and maximum tax rates of 16%. Minnesota and Rhode Island are next with a 16% tax rate and exemptions at $1.8 million and $1.15 million, respectively. Connecticut has a 12% tax rate and an exemption of $12 million, while Maine has a tax rate of 12% and an exemption of $5.49 million. When it comes to inheritance taxes, Nebraska taxes the most at 18% and an exemption of $10,000. Kentucky has a 16% tax rate and a $500 exemption, Pennsylvania and Iowa have a tax rate of 15% each and no exemptions. The worst hit are Maryland and NJ, which have the unfortunate combination of both estate and inheritance taxes. Maryland has an exemption of $1,000 and a tax rate of 10%, while NJ's tax rates depend on relationship between the decedent and beneficiary, as well as the amount received.

There are various life insurance policies that are tailormade for senior citizens. One such policy is known as a guaranteed universal life insurance; it offers affirmed death benefits but may be maintained with affordable premiums. The premiums could be as much as what an individual might have to pay if he or she undertakes a term life insurance policy. Many insurance companies offer flexibility with respect to payment plans, an impeccable customer service, and an extensive range of coverages. Companies providing the best life insurance rates for senior citizens Given below is a list of some of the most ideal life insurance policies with great rates for citizens over 65 years of age. New York Life New York Life's accessible and flexible death benefits make it one of the most affordable policy rates for senior citizens. Another perk of purchasing New York Life's insurance policy is that they sell policies to individuals aged up to 85. There is no medical exam that determines the availability of the policy to the applicant. The only deal breaker here is their average customer service. American National Apart from New York Life, American National is the only other insurance company that provides universal life insurance policies that start from $25,000. Apart from its affordability, they offer a wide range of coverages for the policies and are very transparent about it on their website. Do keep in mind that American National does not entertain smokers. Banner Life Banner Life is touted to be one of the best in the industry with respect to life insurance. Affordability and flexibility apropos purchase and payment of policies makes it a favorite among critics and prospective customers. Their underwriting policies are considerably lenient, which gives everyone, including those with chronic illnesses, a chance to own insurance policies. North American Company With an A-grade rating (as per industry standards), North American Company has a great standing in the field, especially for life insurance policies for individuals over 65 years of age. The low premium cost alone makes it economically viable for senior citizens. Lincoln Financial Besides Mutual of Omaha, Lincoln Financial is the only other insurance company that boasts excellent customer service. This is beneficial as the individuals selling the policies give a better overview of its advantages and are honest about the terms and conditions. Lincoln Financials’ rider selection, which may include Spousal or Child Support, is of great use as family members can also benefit from it.