Vanguard funds have been considered an ideal investment for retired investors. There are tons of funds for you to choose from, and every fund is different from the other. However, it is important to consider whether the fund is a good choice for investors as they reach the age of retirement. Most retirees are considered to be long-term investors, but it is ideal to begin with a short-term investment plan. Investors may choose from dividend funds, growth funds, or bond index funds. Every fund has some unique features and varied rates of returns. Some of the best Vanguard funds for your retirement portfolio have been listed below: Vanguard LifeStrategy Conservative Growth The allocation of assets in this fund is about 60 percent in debt and 40 percent in stocks. This means your fund will achieve a steady growth over a long period of time. It is ideal for low-risk investors and has generated more than 4 percent return over the long-term. Vanguard Wellesley Income This is a conservative portfolio where the allocation of the funds range between 60 percent bonds and 40 percent stocks. It has strongly beaten its competitors over the years and is one of the best Vanguard funds for a retirement portfolio. Vanguard Wellington The allocation of assets in this fund is not as conservative and has a higher allocation in stocks as compared to bonds. It is perfect for those investors who may take a little extra risk for high returns in the long-term. The fund has a minimum investment requirement of $3000 and has a low expense ratio. Vanguard Dividend Growth This one is an ideal choice for investors looking for dividends. The fund invests into large-cap stocks and has only about 10 percent of the portfolio invested in foreign stocks. The minimum investment amount is $3000 and the expense ratio is low. Vanguard High Dividend Index Vanguard high-dividend index is perfect for investors who seek high returns on their investment and have a high-risk appetite. The portfolio includes a substantial allocation in large-cap stocks that pay high dividends, though there are chances that they may be adversely hit due to the movements in the financial market. The Vanguard funds mentioned above are one of the best choices for your retirement portfolio. Investors need to consider their risk appetite and their return expectations before choosing a fund. For investors who seek regular income, dividend funds are the best while those who are willing to bear a higher risk, the growth funds will show significant results in the long term.

Binoculars have been in the market for decades, but they are considered smart objects for sightseeing even today. They consist of two similar telescopes – one for each eye – and are mounted on a single frame. As binoculars allow you to use your eyes naturally, they are much more comfortable than single telescopes. Here are a few best brands offering online binoculars on sale. Orion Orion Telescopes & Binoculars has been providing top-quality outdoor optics products to customers since 1975. It is an employee-centric company, offering unmatched customer care, best-quality products, value, and unswerving commitment. Since its inception, the brand has been selling its products directly to customers through its colorful mail-order catalog. Then, in 1997, it started trading on online platforms via its digital catalog. Orion has highly skilled and knowledgeable support and sales staff who can guide you in making a correct buying decision. Additionally, they can assist you after the sale has happened. Apart from providing online binoculars on sale, Orion has retail stores in Cupertino. The company sells selected products through astronomical dealers across the country. A few types of binoculars at Orion include compact binoculars, astronomy binoculars, and birding binoculars. Zhumell Zhumell is another noteworthy company offering various instruments, such as astronomy binoculars, sport optics accessories, and brass spyglass. It strives to provide customers quality products at reasonable prices. Besides, all of its products are field-tested. So you can be assured that the binoculars you pick are free of any defects and meet the best industry standards. Zhumshell’s products come with massive discounts while buying online. For instance, the actual cost of Zhumell 10x42 Short Barrel Waterproof Binoculars is $199.99. However, you can get it for just $129.99 while making an online purchase, saving $70. Moreover, the company has a 25-year no-fault warranty on its products. Bushnell Bushnell has been a market leader for over 70 years in high-performance sports optics. It aims to offer the most reliable, best quality, and cost-effective sports optics to customers. The brand’s products have consistently won performance and design awards. Bushnell provides you multiple shopping options. You can shop by range (short, medium, or long) or use (sky-watching, nature, travel, or bird-watching). The company’s products are available at a lower price online. For instance, the original price of Bushnell 10x28 Trophy XLT Binoculars is $89.99. However, you can grab it at $74.98 on specific online platforms, saving $15.01.

Probiotics are nothing but a form of living bacteria that is present inside your intestinal tract. These living bacterias must be included in the diet to maintain a healthy gut. Somehow, probiotics available inside the body works differently than it usually works in making the yogurt. Probiotic yogurt is prepared using a fermentation process where starter cultures are used to modify the taste. Once this fermentation process is complete, probiotics are formed automatically. These probiotics have a number of health benefits, which restore the balance of the ‘good bacteria’ within the intestines. Likewise, probiotics help in solving many health issues such as digestive problems. Suppose, if a person is suffering from bloating problems, it is better to increase the probiotic consumption. By doing so, one can get great relief from any gastric problems or discomfort caused by a massive amount of ‘bad bacteria.' To get better results, one needs to consume more amounts of probiotics every day. There are no exact amounts though, but it depends upon the total strains consumed. Somehow, the rough estimation is to consume a minimum of 1 billion bacteria per day. Research says that all yogurts may not contain high amounts of probiotics. Thus it is advised to check the labels before buying the yogurts. One of the popular among yogurts that contain a lot of probiotics is the Danone Activia. It is not just smooth, but the yogurt contains over 4 billion probiotics in a single 125 g serve! Apart from Danone Activia, you can also test Vaalia which consists of two different probiotics as well as 150 million of each in every 150g serve. Likewise, you can get around 600 million probiotics in every 200g pot of yogurt. If you wish to improve the health of your gut, always buy yogurt which is an easy way to get a high volume of probiotics every day that helps in maintaining proper guts. You can consume Yoghurt probiotics during your breakfast by mixing into a smoothie. You will slowly notice the improvement in your overall guts within a week.

NFL League or National Football League is a professional American Football League. It consists of 32 teams. National Football League is divided between National Football Conference (NFC) and the American Football Conference (AFC). Being one of the major professional sports league in the United States, particularly in North America, National Football League is a 17 week regular season that begins the week after Labor Day and goes on until the week after Christmas Since its inception in 1920, National Football League has gone through a number of changes. Their uniform and Jerseys too have evolved with time. Here is a brief timeline that depicts the evolution NFL uniforms and jerseys 1920 With its inception, NFL brought with itself some prized franchises. The uniform or jersey's during this time cost a dime for a dozen. Through the course of time, the teams changed their look. It was not unusual then for a franchise to buy used uniforms. Jersey's during this time were often made o a real thick material such as wool. Helmets were still not made mandatory by the NFL thus many players played sans the helmet. 1930 Many more NFL franchises came into the picture in the early decade. Wearing helmets were made mandatory during the 1930's. Jerseys were still made of thick material and usually involved the use of basic colors. This was the time when teams started putting up numbers on all NFL jerseys for identification purposes. 1940 1940 was the time of the first helmet design when an NFL player from Los Angeles Rams painted Ram horns on his helmet. This led to franchises personalizing their teams with modifications. Many teams started switching colors, trying to find out the right color combination. 1950 By this year, NFL teams started to gain a sense of style and this brought never before seen variations in their Jerseys. 1960 1960's marked the birth of modern day uniform. New teams came up with even interesting Jersey designs. 1970 The style and color of 1970's started showing off on the NFL fields. It gave birth to the most uncommon color combination of NFL jerseys. 1980 The current jersey designs that we see were actually finalized in the 1980's. 1990 With the designs getting finalized in 1980's, 1990's saw the beginning of the jersey boom. Jersey sales became one of the largest markets in the football merchandize. 2000 The millennium marked the birth of some new expansions. This gave rise to many more jersey changes. Throwback uniforms (from the past decades) became a tradition on Thanksgiving Day games.

Incessant nerve pains affect a large percentage of people with diabetes and other health conditions and it is difficult to live with it. Read on to get an idea about nerve pain and how you can get effective nerve pain relief. What are sciatic nerve pains? As you know, our nerve is responsible for carrying the impulses of sensation from the spinal cord or brain and to other body parts. The nervous system plays an integral part in everything your body does. Damage in any of the nerve can lead to nerve pains. The sciatic nerve is the largest nerve in your body. It runs from the lower back to the hip and reaches the ankle. Any damage or extra pressure in this nerve can cause intense pain in the legs. The condition is referred to as sciatica. Symptoms of sciatic nerve pain The sciatic nerve pain occurs in one part of the leg, usually towards the lower end. It can be accompanied with numbness and tingling sensation in some people. Sometimes there will not be severe pain, but numbness or weakness of the leg may occur. At night, the pain aggravate in some patients, making it difficult for them to get proper sleep. The pain may worsen when you sit or stand for a prolonged time. Also you may feel intense pain when you do movements that extend the spinal cord. Causes of nerve pain There are various causes of sciatic nerve pains, out of which, the major factor that causes you nerve pain is the rupturing of the disc in the spine. Any other health conditions that affect the spine can give you nerve pains. Other than spinal conditions, nerve pain can occur during the time of pregnancy or uterine tumors in women. Treatment for nerve pain Sciatic nerve pain sometimes heal on its own with time. However, people find it difficult to deal with the frustrating pain. There are different methods prevalent to bring down the discomforts caused by sciatic nerve pain. Ranging from natural supplements to steroid injections, you can find effective ways to alleviate the nerve pains. Over-the-counter pills are available for instant relief from nerve pains. Also your doctor can suggest you prescription drugs that will effectively reduce nerve pains. In addition, there are also natural ways for nerve pain relief like acupuncture and other medical therapies. However, if the root cause of your pain is any other serious health condition, then you should go through proper treatment for it. Treating the root cause of the nerve pain will give you complete relief from it. Avoid prolonged hours of standing or sitting in the same position. Switching to a healthier lifestyle with a balanced diet, proper exercise, and massage and physical therapies also help improve the condition.

If getting a better handle on your financial life tops your to-do list, well, you've come to the right place. After all, everyone wants to save more, get out of debt and aspire for bigger things like asking for that well-deserved raise. Here are some tips that will put you on the right path to better money management. Make the most of your 401k. That's right before you take that big step towards your career, make the most of your 401k. Leaving your money right where it is may make sense, but if you are ready to take the money with you after comparing on options at your future employer, consider a direct rollover to a traditional IRA. It can be done with one simple step and the help of a smart broker who will walk you through the entire process over the phone. • Set up automatic bill pay: Don't pay late payment penalty fever! Simply set up automatic bill pay. You can also request your bill collectors to change their due dates to match your pay cycle. This way, you'll always have enough in the bank to cover you. • Save for a rainy day: Dipping into your savings to bail yourself out is the last thing you would want to do. Learn to keep cash stashed in the cupboard for this purpose or you might just slip right back into debt. It would be wise to have an emergency fund to cover you for three to six months. Also, save to cover your annual deductibles like health and car insurance. • Don't dip into your retirement account: At all costs, funds in your retirement account should be your last resort. If you take money from that account before you hit 59, you are liable to pay a penalty of 10%. Plus, you're putting a dent in the money available to you later in life. It simply doesn't look good. Finally, follow these steps if you lose your wallet: - Call your debit card/credit card issuers and prevent unauthorized spending. If you fail to do so until after days and before 60 days, your liability might jump to $500 in event of fraudulent activity, especially in case old debit card misuse. - File a police complaint and set up a fraud alert or identity theft alert with one of these agencies Experian, Equifax, Transunion. - Call your health insurance company and inform them too, if your health insurance card was in your wallet. - But if your social security card was in it too, consider applying for a credit freeze so that no lasting damage is done.