A few years ago, opening a bank account meant several trips to the bank branch and even more formalities to be completed. Visiting a nearby branch and waiting until your account could make most of us procrastinate the much-needed task. Opening a bank account is necessary and there is no way you can get away from it. But the good is that you can now open a bank account online. Well, yes. With the development in technology, several banks have begun to offer this facility. If you wish to open a bank account online, you can do so with much ease. However, there are few challenges that people may face sometimes. Here are some reasons when you will be left with no option but have to visit the bank: Age factor - When you try to open a bank account online, you will have to fill in details about your age. Individual who are under the legal age of 18 may not be able to go ahead with the procedure. The reason behind this is that any person who is under 18 can not open an independent bank account. One will have to start a joint account with a guardian. The guarding does not have particularly be a parent and be any adult. This procedure will require you to visit the branch of the bank. Citizen of the country - If you are a citizen of the United States, you be able to easily open a bank account online. But this does not mean that non-Americans can not. An individual who is not a citizen may have to produce the certain document and undergo verification before the procedure is completed. For this reason, a trip to the bank will be necessary. Unclear account history - The bank will check your past history before letting you open a bank account online. If you have an unclear history or have a past record of checks getting bounced, you request of opening a new account may not be accepted. The system will report an error and you will have no choice but to visit the bank's nearest branch to sort out the issue. Entity accounts - If you are opening a personal account online, there should be no hitch in the process. However, if you have to open an account for a business or specific organization that is a high chance that you have to go to the bank's branch to carry out certain types of verifications and personally get in contact with the banking professionals.

Mutual funds are a form of investment that is managed by professional experts. When you invest in mutual funds, the fund manager allocates the amount into different securities and debts, based on the plan you choose. Due to such diversification of funds and the anticipated high returns, there is a surge in mutual fund investments. There are several funds for you to choose from. Based on your risk appetite, available funds, and the purpose of investment, you may choose funds that help meet your long-term financial goals. If you want to ensure that mutual fund is a core part of your portfolio and if your time horizon is vast, choose from one of the below-mentioned best mutual funds to invest in. Schwab S&P 500 index This is a large-cap fund, which is also one of the best mutual funds to invest in 2018. It generated a return of 20.5% in 2017 and has achieved a total return of 15.6% in the last five years. The annual expenses of the fund are only 0.03% of the total asset value, thus making it an ideal fund for those who are looking for a balanced return. Vanguard mid-cap index As the name suggests, the mutual fund invests into mid-cap stocks and had a total return of 18% in 2017. The five-year return for the fund stood at 15.2% and its annual expenses are 0.18% of the asset value. Schwab total stock market index This is a fund that invests in large-cap stocks. It generated a return of 19.9% in 2017 and a five-year return of 15.5%. It has an annual expense of 0.03% of its total assets. Schwab small-cap index Schwab small-cap index invests into small-cap securities and had generated a return of 15.1% along with a five-year return of 15%. It has an expense of 0.05% of asset value. Fidelity international index If you want to diversify your portfolio and include international securities in it, you should choose Fidelity International Index. It is one of the best mutual funds to invest in with regard to foreign securities. The fund generated a return of 23.5% in 2017 and a five-year return of 8.2% with annual expenses that stood at 0.16% of the company assets. The returns keep changing depending on the market. Consider your investment purpose and long-term goals before you choose a fund to invest in. The best bets are the balanced funds that are high on return and low on risk.

Body injuries while hitting the gym is a major concern people have in common. To keep safe, you need to be cautious about some common causes of injury. Here is a list of the gym mistakes you need to avoid for a safe and rewarding workout. Overexertion Some people, in their efforts to achieve their fitness goals fast, end up exerting their body more than their capacity. In comparison to an evenly exerted body, the over-exerted body is more susceptible to injury. Too much of training reduces energy, which obviously retards the progress and performance. Therefore, make sure you provide sound rest to your body after a workout. Too much load Lifting excessive weight increases the chances of injury. If you are not able to lift a weight while following a correct weight lifting technique, it clearly indicates that the weight you are trying to lift is too heavy for you. An out-of-control dumbbell or barbell can hurt you bad. Incorrect technique Many people believe that the sole cause of body injury at the gym is weight lifting and speed. However, weight lifting cannot cause harm, if you do it using the right technique and suitable weight lifting equipment such as the Bowflex dumbbells. Remember, if you do not pay attention to the instructions provided by the gym instructor and straightway start lifting heavy weights, there are high chances that you may end up spraining your muscles. Inadequate warm up Warm up is a prerequisite for preparing the body for a workout, as it increases blood flow to the muscles enhancing their mobility and flexibility. Individuals who skip warm up often end up hurting themselves badly. To ensure something like this doesn't happen to you, make it a habit to start any form of workout with proper warm up drills. Weight range It is good to be enthusiastic and eager to achieve fitness goals, but over-enthusiasm sometimes proves harmful. Those yearning for muscular body sometimes ignore the ideal weightlifting range, which is from light to heavy, and lift heavy weights straight away. This is one of the most common causes of injury at the gym. Make sure you start working out with light equipment and then move on to heavy weights with Bowflex adjustable dumbbells. Not enough stretching Stretching and warm up are two different things. Body stretching is something you should do after a warm up and before and after every workout session. It helps relax and elongate muscles, which improves your body's performance during the workout and reduces muscles soreness. Poor nutrition If you start with a heavy training program and you do not eat appropriately, you are more likely to get hurt. Poor nutrition doesn't allow the body to recover fully, which makes it weak and prone to injuries. Simple mistakes that people make at the gym during a workout session often result in body injuries. To keep such unpleasant occurrences at bay, keep these simple yet important things in mind when hitting the gym.

Hiccups can be quite annoying, and persistent hiccups can be quite painful to bear. The short spasm which is a result of the vocal chords closing up while the diaphragm contracts results in hiccups. Depending on the severity of the condition, hiccups can last from a few minutes to a few hours. In some rare cases, people have been known to suffer from intractable hiccups which will last beyond thirty days. However, if your child or a newborn infant is suffering from hiccups, immediate attention and remedy should be administered to ensure minimal discomfort. There are a number of ways to cure hiccups. How to stop hiccups in infants: Hiccups in infants are not so common. However, it is better to be prepared for the same.

• If you are feeding the infant, and the baby starts to get hiccups, it would be a good idea to stop feeding. Making the baby burp is a good idea since burping will release the gas which might just be the cause of hiccups.
• Using a pacifier might just work as a good solution for curbing hiccups in infants. The baby will be busy with the pacifier which keeps the diaphragm relaxed thus reducing chances of hiccups.

How to stop hiccups in adults: Adults will be more adept at handling hiccups, since as adults we can understand better and take action. A few simple home remedies include the following:

• Have a glass of water, but don't drink it in the usual way. Instead, cover your ears and drink water using a straw. This action will mimic you swallowing down hiccups as a way to suppress them but has been proven to work well after a couple of attempts.
• A teaspoon of salt, followed by some water will help with hiccups. This combined with short breaths and relaxed breathing will help control the spasming and contracting. You can also try something sweet like a teaspoon of sugar instead.

How to stop hiccups in your pets: Humans are not the only ones who can get hiccups, pets tend to experience the problem also. Dogs, in particular, will face the problem so try and relax them when the hiccups start, control their food and drinking intake during the time. Also, make sure that the dog's vaccinations are up to date and check for any respiratory conditions that might be causing hiccups. Periodical visits to the veterinarian will ensure your pet's good health.

Recent advancements in orthopedics made it clear that the lesser the tissues are handled in surgical intervention, the lesser run the risks of infections as well as shock for the tissue, which makes recovery a quicker process. The overall outcome of the patients is also better.

 Advancements in the early 20th century In the beginning of 20thcentury, the technology to manufacture the small sized instruments and other equipment was not available. However, initiatives were on and success was only a matter of time. It was Dr. Masaki Watanabe, MD, a Japanese surgeon, who is considered a pioneer in arthroscopic surgery, who laid the groundwork for and succeeded in developing an arthroscope in early 1950s. Eventually, Dr. Robert W. Jackson, MD, learned the techniques of arthroscopy from Dr.Watanabe and introduced it in USA in the 1960s.

Not surprisingly, it took quite a long time to gain acceptance among the ones in the profession itself due to the lack of familiarity of the techniques. The surgeons had to learn the skills all over again, so to say. The early days saw its applications limited to sports injury like meniscal injury, anterior cruciate ligament pathology, and cartilage repair.The biggest difficulties were the limited space for manipulation and the opposite direction in which the instruments moved to their hands. The advantages to the patients were less blood loss, reduced pain, quicker recovery and getting into normal life and reduced hospitalization.

The advantage for the patients were so significant that their demand propelled the development of arthroscopic surgery. Once it gained acceptance in the hands of the professionals, the acceptance was quicker and its use in other joints and surgeries was rapid. The development of TV monitor helped arthroscopic surgery progress enormously and its use spread to all sizes of joints. Dr. Robert W. Jackson went on to use it even in temporomandibular joint.

The development of MRI and 3D imaging As these developments hogged the limelight, a quiet revolution in an allied, but a very critical field was creeping into orthopedics. That was the revolution in imaging technology. The amazing clarity achieved in ultrasonography improved the diagnosis in soft tissue pathology remarkably. This improved the treatment of tendons. Major benefit for orthopedic surgery, especially arthroscopic surgery, was the development in the imaging field like MRI and 3D imaging. This made diagnosis exceedingly accurate and 3D imaging gave a spatial projection of the actual inside scenario. Hence, detailed planning of the actual procedure to be followed could be planned in great detail before the surgery which improved the outcome considerably to everybody's satisfaction.

In the world of culinary giants, she stands out with her pleasant smile and demeanor. Rachael Ray is indeed an institution in herself, thanks to her path-breaking yet simple ideas for everyday cooking. With her keen acumen in the gourmet department, she has managed to author cookbooks, anchor culinary shows and even give talks on all things related to food. Yet, her laurels do not merely stop there. She is also well-known for her range of cookware, which she has launched in tandem with her years of experience. With the Rachael Ray line of cookware, you can actually get pieces that are wholesome and suited for many kinds of cooking. Find out more about the collection, right here! Anodized cookware range From standalone pieces to entire sets, you can get a plethora of options right here. The anodized cookware range is one that introduces a non-stick surface coated with high quality anodized aluminum. The best part about this material is the fact that one does not need to worry about scraps of the material falling into the food after long term use, because the entire material has been used to mold and create the utensil. The aesthetics have also been taken care of, thanks to colors that pop out. Even for the handles, trendy colors like orange have been used as a contrast with the anodized body of the actual vessel. Stainless steel cookware range Stainless steel is known as one of the safest metals for cooking because it is non-reactive in nature. Plus, this kind of cookware is also lightweight which makes it easy to handle. At Rachael Ray's, you will find entire sets and standalone pieces crafted from the highest quality stainless steel. The steel used for these utensils have been procured from the best sources globally, including international ores. This makes the vessels all the more durable and safe to use. Further, here too, the use of vivid colors comes through with the handles and other accessories. Ceramic-coated non-scratch cookware The cadmium coating of this ceramic cookware range makes it one of the best in its class here at the Rachael Ray collection. Ceramic is known as one of the best cooking surfaces. So in a back-to-basics move, this collection too makes use of such coatings and textures. With this collection, you can get a scratch-resistant vessel in neutral hues to match the white coating. Colorful and versatile The best part about this collection is the fact that it is highly versatile and also colorful, much like the vibrant personality of the chef herself! Hues like purple and red will literally add life to a neutral-hued kitchen. At the same time, the pots and pans come in various materials and sizes, so that many kinds of needs may be taken care of in the kitchen.