Are you a teenager or a youngster struggling hard to manage with your pocket money or have you just started to earn? Proper financial planning is an art, and not everyone gets to master it. Here, we share some simple financial planning tips to help you become a good financial planner in the future. Proper financial planning is key to a secure future. Regardless of the money you earn (or get), it's important that you plan a budget and stick to it. Learning to save from an early age can go a long way in making your life prosperous and comfortable. Master the art of self-control Learning the process of delayed gratification helps. What this means is, if you really want a new pair of shoes the moment you see it, don't splurge on it even when you have a credit card. Rather, save up for that pair and buy later. Also, if you don't really need a new pair of shoes, you can avoid buying it completely. Learn budgeting Budgeting is simple and it's one of the most important things you need to do, as far as financial planning is concerned. Take a notebook, and track your expenses. More technically speaking, you keep a log of your expenses. You can take this a step further by keeping a copy of your budgeting file on the cloud platform or Google drive so you can update on the go. Sometimes the smallest things tend to make the biggest differences, like splurging on a cup of coffee at Starbucks every day or going to laundry services instead of washing your clothes on your own. The expenses add up down the line and if you can realize that, you'll be able to manage your budget more wisely. This can help you save up a lot too. Safeguard your health Eat healthy, live healthy! Follow this mantra for the rest of your life and you'll be on your way to financial well-being. Bad health leads to medication, hospitalization, and loss of money. On the other hand, if you are hale and hearty, there'll be no need to spend on medicines and hospitals. Make sure your diet is in check and you get regular exercise. Although you can't permanently eliminate all risks in your life, you can certainly minimize them by taking care of yourself. A higher quality of life equates to a better financial well-being. Once you start earning more, start investing in different mediums. Plan well and plan ahead, and you'll definitely have a financially sound future.

It is a straight up matter of fact that while shopping for high-end cars, purchasing or leasing a luxury car is very similar to doing the same for a regular vehicle, except for the cost aspect, which is significantly higher. In fact, the cost of a base model of a luxury car can top the best in the class model of a regular car. $30,000 is the starting price for most luxury cars, making them pretty out of reach for the general user. Although considered to have better quality, high-end accessories, a smoother ride and better performance, they also cost a lot more regarding maintenance and upkeep. Before taking up a luxury car for lease, it is wise to save for contingencies. There are also some additional tips: Dealer cost Luxury vehicles are a class apart in the fact that while many main stream new cars do not offer a lot of profit margin for most car dealerships, luxury vehicles are a direct means of huge profits and can earn the dealer a huge profit. Car dealerships offering luxury car lease can make a lot of money, so it is important for the customer to the dealer invoice price. This dealer invoice price is readily available on websites like Edmunds or the Kelley Blue Book. This information can then be used to negotiate a better selling price with the dealer, and the dealer will usually make a deal if they are making any profit at all – even if it’s less than they thought they would. Off lease vehicles While getting luxury car lease deals is easy, one thing to consider is luxury cars deals that are available for purchase after being off lease. This works for customers who do not mind buying a car that is a couple of years old in the luxury segment, since luxury vehicles that are off lease may be available for sale at a much lower price than the original manufacturer's offered retail price. These are some tips to make a luxury car lease deal work for you and help you save the cash.

You might panic when you sneeze or get a dry throat that might make you want to throw up. But, how do you know what is responsible for the discomfort your body feels? Is it cold or flu? Here, we take a look at some of the common symptoms of cold and flu so that you know what exactly that ails you. Is it cold? When you end up having a cold, you have a runny nose. Along with this, you experience sneezing, congested throat, heavy chest and continuous coughing, which are also the symptoms of a cold. In a few cases, people experience a mild fever, head ache (with sinus), ear ache and neck pain as well. Ways to treat it Try salt water gargle. Have a spoon of honey with a hint of ginger juice to get rid of bacterial buildup in the throat. You can also take a steam with a drop or two of eucalyptus oil (this might induce vomiting, but it's good for cough/mucus relief), or apply a lavender balm on the areas you experience pain. Always wash your hands from time to time. Is it flu/influenza? Flu or influenza is a bit more severe than cold. You have a fever, muscle pain, and you can also feel weak. This is when the virus attacks you. An attack of influenza might lower your appetite and give you chills. If taken care of, the intensity of the symptoms might become low in a few days. However, more health problems can arise if you don't treat the initial symptoms well. For example, people can get infected with bronchitis and other illnesses. Ways to treat it Up your fluid intake (with lemon teas, chicken soups, ginger-flavored warm water, etc.) and make sure you're sleeping well to recover faster. Check with your doctor regularly to make sure the flu is taken care of with medications, and that no aggressive flu attacks you. Now that you know the first signs of cold and flu, you'd also know the ways to treat them without confusing yourself.

If you have been looking and shopping around for some commendable tumblers for your family and home, you can stop your search here. Tervis tumblers are renowned for their excellent quality and enchanting designs that have a breathtaking variety to suit your requirements. Tervis tumblers are the perfect drink ware that you can bring home for you and your family. What makes a Tervis tumbler different? Most tumblers available today are breakable and very often crack or break easily despite all the care you take. This is where Tervis tumblers make their grand entry. They last for life making any liquid you pour into them hotter or colder respectively. Given below are some of the wonderful advantages of Tervis tumblers. - They are unbreakable: Great news is that Tervis tumblers are unbreakable. You can stop dealing with shattered wine glasses or breaking bottles of beer. These wonderful tumblers are unbreakable in every sense of the word. - Lifelong guarantee: Tervis tumblers come with guarantee that is lifelong. Isn't that great as far as tumbler ware is concerned? - Tervis tumblers do not sweat: Sweating cups are one of the biggest banes of any kind of chilled beverages that are poured into normal tumblers. The condensation that drips becomes quite annoying for the people drinking. And good news is that Tervis tumblers do not sweat. - They are ideal to carry on your move: These wonderful tumblers are not as noticeable as carrying a flask or bag and can be closed with a lid. They are just ideal to carry your beer or vodka around while travelling. An amazing feature is that your beer will remain iced or cold for a long time in this tumbler. - They are ideal for hot and cold beverages: As they come, completely insulated, they are just perfect to control the temperature and keep your drink cold, hot, or lukewarm as per your requirements. - They come in a variety of designs: Whatever be your occasion, you will find a tumbler to match your needs. Be it a wedding gift, a birthday, or any special theme like animals or birds you have in mind, Tervis tumblers are available to suit your every need. - They can be customized: You can get your tumbler customized and lettered according to your will and pleasure. - They come with all kinds of accessories: Be it reusable straws, sippy lids, shaker tops, or handles you need, Tervis tumbler has it all.

If you're nearing retirement, or planning for the future ahead, saving up for your retirement is always a smart move. These are many finance savings instruments in the investment market these days. Income fund plans are one of the most beneficial, especially in terms of long term goals. Saving for your retirement doesn't need to be a chore; in fact, it can be pretty easy if you take the right steps. If you're looking for a couple of good income fund plans, read right on. These five popular income fund plans are categorized on total returns, return consistency, capital preservation, and low expenses. First Trust Morningstar Dividend Leaders Index (FDL) With a 20.27 percent 3 year annualized total return and a 3.22 percent 12-month yield, this one of the popular ETF plans. It ranks within the top twenty-two of the U.S. News Best Fit List. First Trust Morningstar Dividend Leaders Index usually invests 90 percent of its total assets in common stocks that comprise the index, which is tracked by the FDL. iShares Dow Jones Select Dividend Index (DVY) This plan offers a 3-year annualized total return of 21.06%. DVY helps track the iShares Dow Jones Select Dividend Index which comprises of the 100 highest yielding stocks in the Dow Jones U.S. index. This is screened for various criteria such as dividend per share ratios, five year average payouts and minimum daily trading volumes. Nicholas Equity Income I (NSEIX) This plan is ideal for those who aren't thriving risk takers and have low tolerance for high risks. Typically best suited for those who'd like conservative growth and fixed income on their returns in the long-term for their retirement plans. PowerShares HY Equity Dividend Achievers (PEY) Hailed as one of the best income fund plans since the financial crisis, PowerShares HY Equity Dividend Achievers takes a contrarian stance. Its expense ratio makes it a big premium in contrast to other popular dividend strategies in the market. Vanguard Equity Income (VEIPX) If you're looking for consistent and above average returns on your dividends, you'd be happy to know that the Vanguard Equity Income Fund (VEIPX) invests in the stocks of medium and large sized companies. Typically, the stocks they invest in return above-average dividends in the stock market's industry. They also tend to use multiple financial advisors and keep up-to-date with the market inflation and other financial crises to ensure consistency in their returns. If you're looking for something safe, consistent and for a plan that offers quality investment options, then this plan can be right for you.

Toothache can be debilitating. Severe toothache due to decay or infection can throw your life out of gear, causing immense pain and inflammation. Those who have experienced toothache know how it feels. Toothache can occur to anyone at any age. The good news is that simple home remedies for toothache can provide relief from pain. There are several home remedies for toothache that can help to maintain good oral health and also prevent formation of cavities and infections. Maintaining good oral hygiene by brushing regularly, tongue cleaning, and flossing helps to prevent new cavities and old ones from getting worse. The treatment for tooth pain involves some of basic steps that need to be followed in your everyday routine. Read on to know more about the causes, symptoms, and effective home remedies for toothache: Common causes and symptoms of toothache Some of the common causes of toothache are as follows:

• Untreated, unchecked cavities
• Infections in the gums
• Broken teeth
• Eruption of wisdom tooth
• In children, losing milk teeth can sometimes be painful and lead to toothache
• Other causes of toothache include damaged filling, tooth fracture, repetitive chewing, or injury to the teeth.

Some of the symptoms of toothache include the following:

• Sudden, shooting pain in the tooth that radiates to the entire mouth
• Throbbing, constant pain
• Swelling of gums
• Headache
• Foul smell or foul-tasting fluid from infected teeth

8 effective home remedies for toothache Toothache requires immediate treatment. Tooth pain remedies that can be tried at home are simple and effective. Thankfully, there are an array of easy remedies for treating tooth pain at home on your own to get relief from the discomfort. The following home remedies to treat tooth pain at home have proven to be effective:

• Clove oil - Dilute about 2–3 drops of clove oil with ¼ spoon of sesame seed oil. Apply this solution using a cotton ball on the affected area. Clove oil is best suited for temporary relief only.
• Oil pulling - Oil pulling has many benefits, one of which is maintenance of good oral hygiene. A tablespoon of sesame oil should be swished around the mouth first thing in the morning (before brushing) for around 20 mins. Oil pulling removes bacteria, reduces the occurrence of cavities, and also provides relief from gum problems.
• Salt - Antiseptic and antibacterial properties of salt helps reduce inflammation and pain and prevents bacterial growth.
• Garlic - It is a powerful antibiotic that helps to prevent tooth problems.
• Licorice roots - It helps keep teeth healthy.
• Turmeric - It helps provide respite from cavity pain.
• Indian lilac - The leaves of this tree is a strong antibacterial agent. It helps prevent cavities and maintain good oral hygiene.
• Peppermint oil - It helps relieve tooth pain naturally.

Toothache can be quite an ordeal; it can sometimes even preventing people from eating, smiling, or opening their mouth. Home remedies for toothache are known to provide relief from pain and also prevent further deterioration of teeth.