Being financially secure for life is a dream for everyone, but fulfilling it may be a major challenge unless one doesn’t have at least the basic knowledge about financial management. Earning a steady salary is merely the first step; multiplying it is the main one. In that sense, investing in income funds which offer big dividends in return is a perfect choice. Even though many people are tempted to opt for funds that give the highest yields on a quarterly basis, there are other factors which must be considered before investing in them. One of them is the expense ratio, which basically indicates the per annum amount an investment company charges for the sum invested by a consumer. The other factor is that dividends earned may be used to buy more shares, thereby reinvesting them in a process known as the Dividend Reinvestment Program (DRIP). Here are two of the best dividend income funds which have been relied upon and consistently given benefits to the investors:

• Vanguard International High Dividend Yield Index Fund (VIHIX) The specialty of VIHIX lies in the fact that it gives investors the much-needed exposure to nearly 800 stocks in companies both in and out of the country. They are estimated to deliver above-average yields at a cost of 0.42%, which is 64% less than an average expense ratio of funds of a similar type. It means that if a person invests the minimum amount set of $3000, he or she would have to pay only $12.6 to the investment firm for the same. The fund has large-cap value, which signifies that it is suited for those who have investment goals for the long-term and may persevere with the volatility of stock markets.

• Fidelity Capital and Income Fund (FAGIX) This is amongst the best dividend income funds that also gives an investor capital growth in the form of diversification. A minimum investment of $2500 is required and as of June 29, 2018, an investor will have to pay around $16.75 due to an expense ratio of 0.67%. The fund claims that each year, an investor gains 5.69% annual returns on an average and persisting for 10 years takes it to 8.55% and more. This fund ought to rank in the top dividend income funds as it consists mainly of high-yield bonds, involving maximum returns against average risks.

Technology today can be worn on the wrist to track fitness levels, count the number of steps taken every day and also monitor things like heart rate, sleep patterns, breathing levels and more. For people who do not like to wear an open looking tracker on their wrists, the Withings Steel HR is a good option. Priced at $179.95 in the US or for £169.95 in the UK, the watch makes for the ideal activity tracker and is available easily on online shopping portals. Withings, the watch making company, has designed the smart track watch, Withings Steel HR, keeping in mind an aesthetic need and a way to wear a fitness tracker that does not look like one. The specialty of the products designed by these watch makers and smart devices is that they create smart fitness products that do not necessarily look like smart fitness products! They look like stylish pieces of wrist wear instead. Another elegant piece of wrist wear that automatically tracks the running activity, swimming, sleep and steps taken is the Activité Steel HR edition. With a featured analog activity dial and a system that synchronizes with the compatible smartphone, whether iOS or Android, to measure and analyze in-depth metrics, it is an aesthetically designed piece of wrist wear that helps keep the user motivated. It also has features like water resistance, and up to one-month battery backup which means that it rarely needs to be taken off to charge up for use. The Activité Steel HR edition works as a sophisticated, user-friendly and smart wearable health technology tracker for people who like to add a little elegance in their fitness trackers. Fitbit Alta HR Another option in a similar category is the Fitbit Alta HR that is available for $149.95 in the US and £129.95 in the UK through Fitbit retailers. The FitBit Alta HR measures the users sleep cycle and also gives tips on improving the sleep schedule and sleep quality. Its latest wrist wear has been upgraded with a slimmer design aesthetic that makes it discreet and sophisticated as compared to the previous model.

Planning to renovate your old bathroom? You want to give a complete makeover to the bathroom and are looking for the latest amenities? Whether you are decorating the bathroom of your new house or getting the old one renovated, you cannot afford any mistake in this process. Every accessory that you select for the bathroom has to be worthy and increase functionality. Whether it is the tap or the shower, sink or the faucet, shower curtain or the shower curtain rods, each and everything needs to be picked with due care. When you are decorating a bathroom, you need to be quite cautious about the selection of shower bases. Finding the right shower base can be easy if you follow some simple tips. Size of your bathroom- Space saving is the main idea behind the installation of shower bases. However, that does not mean, only bathrooms with small area need these bases. You can also use it in spacious bathrooms as well. You need to measure the area carefully. The base that you select should be in sync with the area of the bathroom as well as the area that covers the top shower. An excessively large size base will not only waste the space but also it will dampen the look of your bathroom. Full resistance- Nowadays, you can find different types of shower bases for bathrooms. However, that does not mean, picking just any of them will be a good choice. Be it an acrylic base or a tiles base or ceramic one, you should ensure that the user will not trip and fall while bathing. Particular care should be given if children or elderly will use the base. Scratch resistance- The shower base that you install for your bathroom can turn ugly with multiple scratches on it and may seek a frequent replacement. If you do not want to waste your money in frequently replacing the shower bases, you should go for the scratchresistance models as these will retain their newness for a prolonged period. Budget and preference- Last but not the least, when purchasing shower bases or shower curtain rods you should also give due importance to the money that you spend for the purpose. Though these are important, it does not mean, you will compromise with the other necessities. Therefore, before browsing through the types of shower bases, make sure to determine your budget. Also, give importance to your personal preference and purchase the one that you find the best. Nowadays, shower bases and other accessories such as shower curtains and shower curtain rods are available online. You can purchase any of them and get the best piece without leaving the comfort of your home. Yes, make sure to place the order carefully.

For clinics and medical practitioners, patient no-shows can mean losing a lot of money. For instance, a clinic ended up losing one million dollars because of an annual patient no-show count of 14,000. Now, while many full-scale medical practice management systems and EMR (Electronic Medical Records) are already equipped with medical scheduling as part of their setup, these might not be feasible for solo practitioners and those with small medical practices. So, if one is looking for affordable or free medical appointment scheduling software, here're a few choices: Appointmentseasy Appointmentseasy is the very first free online appointment portal offering healthcare professionals to login using their credentials and manage their appointment book and calendars easily, while offering optional paid features such as an ad-free premium version and SMS reminders. The setup can also be used by patients to access the portal from any work station and search for easily and book the date, time and specialist that they need to consult with and remind them of their appointments by SMS. This tool is also a blessing for medical secretaries. DrChrono EHR DrChrono is an all-in-one billing, electronic health records and practice management system. It allows doctors and medical practitioners to automatically send appointment reminders via phone/text/email, offers a customizable clinical workflow, helps doctors order prescriptions and labs easily with the eRX and lab tools and view the results in the EMR, and offers integrated medical billing which allows for faster payments with no extra sweat. Pricing for the basic plan begins at $199/provider per month, and the last level is priced customized for the need for every practitioner. NueMD NueMD is a Cloud-based medical appointment scheduling software that offers medical billing, electronic health recording, practice management and robust integrated appointment scheduling capabilities. NueMD's ONC-ATB certified HER offers excellent workflows, apart from offering secure fax management, lab report tracking, and charting. While the Standard plan begins at $149/month per provider, NueMD also offers other customized plans according to the sizes and needs of every medical clinic or practitioner. Kareo Medical Billing This ICD-10 compliant online medical billing and practice management solution is employed across a wide variety of medical specialties, including podiatry, chiropractic, paediatrics, family medicine, mental health, and the likes. Ideally suiting small companies best, Kareo allows medical practitioners and secretaries to develop customized reports, store patient documents, manage delinquent reports, and confirm insurance, apart from scheduling patients' appointments. Kareo begins at $330/month per provider for a physician and $150/month per provider for a non-physician.

When it comes to real estate, 9 out of 10 buyers look for properties online. With the Internet reducing travel time and distances to our fingertips, it makes sense to bring out property sale to a wider market. A well-planned and executed listing online could make a difference by creating an impression in the eyes and minds of potential buyers sitting across many cities in front of a computer or a mobile phone. Here are few simple and time-tested strategies for listing properties and lands for sale online: Photos: Many good quality photographs, taken from different angles attracts attention. A couple of decades or so back, there weren't many options to take good photographs. Times have now changed and so have the way in which real estate is being marketed. Whether you are selling your own land or you are into the realty business, placing drone shots would certainly attract a lot of potential buyers. Take enough photographs of amenities around as well. Photographs of the neighborhood are also crucial. People make decisions to buy lands/homes also based on how safe the neighborhood is. Detailed description: Once the pictures have attracted the attention of a potential buyer and he or she clicks on the land listed for sale, it is important to give all relevant details that are basic and vital for a buyer to make a decision. Remember most buyers are looking at multiple or sometimes hundreds of pictures online and the details provided could be the one that makes the buyer proceed one step closer to strike a deal—details like total area, buildable area, sitemaps are crucial when listing a land for sale. Most websites also allow uploading of documents. All these put together can interest the buyer and helps them assess the property and take one more step to shortlist the said land on sale. Choosing the right website: To ensure that the property gets maximum visibility, choosing the right website to display your ad becomes crucial. Identifying sites that specialize in the type of land that is being sold is the best choice so that there are genuine buyers who are looking for exactly what is being sold. Impress the buyer: Customizing the property listing with correct tags and keywords to be visible to the probable buyer is very crucial. With the right information and pictures, it is more likely to catch the attention of a potential buyer Stay patient: Online websites have a huge database of properties. Once your listing reaches the website and its database, the probability that the listing will get an immediate response is not very high. Keep updating the listing with newer pictures. Moreover, make sure that the price quoted is competitive so you get a good deal on your land sale.

A sebaceous cyst is a small bump which develops under your skin, being the result of blocked glands. These are mostly found on the face and neck. Sebaceous cyst treatment can be done by a medical professional and does not necessarily require lab tests or any imaging for that matter. The cyst contains oily material which can occur on the face, scalp, neck any place on the body caused due to a blocked sweat gland or even hair follicle. Epidermal cysts and pilar cyst are the two distinct types of a sebaceous cyst, each with its distinct identifying factors. This skin abnormality is not a very severe condition and usually can be cured by various sebaceous cyst treatments. Noticeable symptoms of sebaceous cysts include a cyst, lumps which have a blackhead at the center of it or even mucus drainage, leaking oil and cheesy matter contained inside the cyst. Different Sabeceous cyst treatments include: Cyst removal: This is a simple surgical procedure to completely remove the cyst sac and everything in it. Traditional wide excision, punch biopsy excision and minimal excision are the three methods of surgical sebaceous cyst treatment. Antibiotics are administered during or after the surgical treatment for recovery. Self-care techniques: Mild cysts can be treated with minimal medications and no surgical procedures. Use of a warm compress is suggested by medical professionals to soothe the muscle around the cyst and help drain its liquids, to avoid spreading the skin infection. Reducing the use of chemical products: Soaps and creams that have a lot of chemicals in them should not be used so that the skin condition does not get aggravated. Instead application of gels and topical creams is recommended by medical professionals to bring relief from the symptoms. Maintaining proper personal hygiene will also ensure good recovery along with the recommended medications. Visit specialists: Specialists like dermatologists diagnose and advice on a course of sebaceous cyst treatment. For a mild cyst condition, doctors might cut and drain the cyst of all the fluids to stop the infection from spreading. Injections can also be alternatively used to inject medications directly into the cyst to control the skin infection. However, care has to be taken on your part to ensure the wound does not get cut or infected again by keeping the general area around it clean. More information can be found online regarding alternative home remedies you can try to ensure the condition can be contained at home.