When it comes to banking, there's a lot more to know than what meets the eye. Banking isn't just about saving money in an account, getting interested, and withdrawing it. Not all banks and institutions are created equal. Different banks also have different services. Some banks cater to people while some cater to companies. Whether you're planning a career in the banking sector or you're just curious, a little knowledge can help you understand how the system works. Here's a look at the five most common banking institutions in the USA: National Banks A national bank is a bank that's been federally chartered by the government of United States of America. National banks are insured by the Federal Deposit Insurance Corporation. They offer any and all financial services that you can think of. From checking and saving accounts, to money card services and offering loans and insurance, national banks have them all. Some banks that belong to this category are Bank of America, Citibank, PNC Bank, and Capital One. Retail Banks Retail banks offer consumer services directly to individuals. One of these services includes opening checking or saving accounts. They also offer credit card or debit card services. They also have loan and retirement services. As you can see from the name, these banks are helping individual customers with their banking services. A retail bank can be a local bank with no other branches as well. It can also be a branch of a commercial bank or local bank set up to provide services at a regional level. Commercial Banks Commercial banks offer products and services like fundamental investment schemes, business advances, bond investment schemes, overdraft facilities, and mortgage loans. These are profit-making enterprises. They offer the same services like retail banks. But commercial banks focus on businesses as customers. They can also offer short term loans. Before the Great Depression, all commercial banks in the US were considered to be investment banks. After the banking system collapsed in 1929, the need to limit the operations of banks to one kind either investment or commercial arose. In other countries, there are two types of commercial banks: Public commercial banks, which are usually government owned. Their objective is overall development. Private commercial banks which run solely on the motive of profit. Investment Banks An investment bank is a financial institution that handles securities transactions for their clients. They run on the revenue they get by doing transactions. This includes mergers and acquisitions, derivative trades, foreign money transactions, equities, and fixed-income instruments. Central Bank Or The Federal Reserve Like most other countries, USA has its own central bank. The Federal Reserve, or Fed, looks after all the banks and institutions in the country. Its work includes printing currency, helping other banks during monetary crises, protect everyone's money, punish banks and other financial institutions for any kind of fraudulent behavior etc. They are a politically free entity and work independently.

Michelin stars are what every gourmet chef worth his salt desires for. They are the Oscars of the restaurant world. The first Michelin Red Guide was released in 1900 and for a long time, all the Michelin star restaurants were found in France and some cities of Europe. Since then, it has surfed across the Atlantic to review the fine dining options in the country. Michelin stars are ranked as three stars for excellent cuisine, two stars for great cuisine, and one star is for a good restaurant. Here is a list of the best Michelin star restaurants in the country. Chef’s Table at Brooklyn FareLocated in the annex of an upmarket grocery store, it is an unlikely housing for one of the best Michelin restaurants. It takes weeks to book a place in advance at this restaurant and to savor the cooking of over 20 plus course-tasting menu.

• Eleven Madison Park An iconic setting, outstanding hospitality, and exquisite food to match make Eleven Madison Park a celebrated restaurant in New York.
• Jean Georges This is a culinary history in motion when the exquisite dishes are crafted with a blend of the finest ingredients in this Michelin star restaurant in New York.
• Le Bernardin An ultimate destination in New York for seafood lovers, the menu here is full of refined dishes that have a fusion of French and Asian delicacies.
• Masa Glorious elegance is sure to wow you in this high-end Japanese restaurant in New York. On the menu is sushi in modern elegant settings.
• Per Se This is the best dining place for a French fine-dining experience, located right in the heart of New York. It is a journey in haute cuisine.
• Benu Each dish seems to be breathtaking and full of imagination at this three-star Michelin restaurant located in San Fransisco.
• The French Laundry For a gourmet meal to remember, head towards The French Laundry in California. The standards of hospitality are exceptionally high.
• Manresa A welcoming and sassy restaurant in Bay Area, it is welcomingly hospitable. The excellent menu is inspired by seasonal ingredients.
• Saison The concerted efforts for an eye on detail and impeccable attention to all aspects are what makes this restaurant stand apart in San Francisco.
• Alinea Stationed in Chicago, the restaurant divulges the thin line between food and art. It is not a restaurant in the conventional sense as it touches and raises your artistic sensibilities.

Some other equally renowned Michelin restaurants include Grace, Quince, and The Restaurant at Meadowood.

In the discussion of early signs of aging, dark spots and wrinkles usually get a lot of attention. However, another significant issue that is equally responsible for one’s skin looking older than they are is sagging or loose skin. This is brought on by the breakdown of elastin and collagen—two proteins essential for smooth, firm, and youthful skin. While loose skin is a natural and inevitable phenomenon, it can be managed through skin tightening creams.  Top 4 skin tightening creams Here are the top four most effective skin tightening creams that help treat saggy skin.  TreeActiv Crepey Skin Repair Treatment The TreeActiv Crepey Skin Repair Treatment comes loaded with skin-friendly Hyaluronic acid that softens, tightens, and conditions rough paper-like skin to achieve a younger, plumper, and fresher look. It serves as an anti-wrinkle lotion and an anti-aging cream for women that assists in softening fine lines, reduces the look of age spots and wrinkles, and helps bind the skin's outermost layers. Furthermore, one can use this cream every day and keep saggy, dry, and wrinkly skin at bay. Fièra Cosmetics Multi-Effect Neck + Décolletage cream Say goodbye to sagging, loose skin around the face and neck and get a youthful and radiant look with Fièra Multi-Effect Neck + Décolletage Cream. This skin tightening and neck lift cream offers deep and effective moisturization. It comes with natural, skin-friendly ingredients that function effectively together to keep the skin looking youthful. This cream helps hydrate and exfoliate the neck’s light, soft skin and reduces fine lines, age spots, chest wrinkles, and the dreaded “turkey neck” look. Milk Touch Green Apple Pore Collagen Cream The Milk Touch Green Apple Pore Collagen Cream is made using raw green apple extract that helps reduce excess sebum production. Moreover, this collagen-rich skin tightening cream also comprises reenergized French collagen that restores the collagen levels within the skin pores and tightens the skin from both the outside and inside to expose firmer-looking skin. Also, this restorative cream helps reduce signs of aging, such as sagginess, wrinkles, redness, dark spots, and fine lines, and assists the skin in flushing out harmful toxins to improve hydration.  Pure Biology Premium Firming Cream One of the most prominent skin tightening creams on the market, Pure Biology’s firming cream comes packed with vitamins C and E, which are responsible for vibrant-looking and youthful skin. Also, it might not be wrong to say that it is a highly-absorbent skin firming cream packed with argan oil and green tea to lock in skin moisture for hydrating skin better. Further, this skin tightening cream addresses numerous signs of aging, like diminishing wrinkles, brightening skin, re-firming contours, and smoothening skin roughness. With age, one might have to practice more caution with the products they use as, over time, skin can loosen in specific areas. So to fight signs of wrinkles, aging, and fine lines, one should opt for effective skin tightening creams. These skin tighteners come with ground-breaking ingredients and benefits that can revive the skin and its appearance. In addition, using skin tightening and anti-maturing creams can stimulate the skin cells’ growth and prevent collagen loss. So, to revitalize one’s skin and make it look more youthful and elastic, it is important to opt for the right products like the above-mentioned skin tightening creams.

The Uber application is a platform linking driver–partners and users through their smartphone applications. Since its inception in 2009, it has grown to around 75 million users globally, spread across 600 cities in 78 countries. All the users need to do is to install the Uber application, register, and look for a cab type that suits their preference. The Uber application also offers various types of economic choices, premium cars, wheelchair accessible cars, and also offers a carpool option. The added advantage of paying by cash and through various wallet and cards, Uber has been one of the most successful and subscribed applications till date. Some of the major reasons for the success of the Uber application are as follows:

• You can directly book a cap with the tap of a button and would not need to call or talk to an IVR
• Registration and setting up the app is easy and quick
• The Uber application is convenient to use and non-fussy
• You can pay for services using cash as well as online payment options
• No tips required
• Choice of cabs available both in the economy and premium variants
• There are feedback options available for the ride and the driver
• Uber is considered to be cheaper than most cab services

After their success, Uber, on April 10, 2018, launched an application exclusively for drivers. With this application, Uber has made it easy for drivers to find out busy and high incentive areas. If the driver is stationed in an area that is slow for business, the app directs him to an area which is busier. The application also notifies the driver about the area left to cover. Another salient feature is the offline feature in case the drivers are working in an area with poor network coverage. If the driver is held up in a traffic hold up, the user can be notified with the introduction of a new notification feature called “stuck in traffic.” Uber is working on the concerns received from their driver–partners. One of the high priority concerns seems to be the fact that several drivers station themselves in busy areas, thereby resulting in non-availability of cars in the not-so-busy areas. Uber is considered to be one of the best in the industry. You can now book a cab and travel comfortably to your destination and all this is now just a few clicks away!

Cats are great as pets. They are adorable and very domestic-friendly. It is our duty to ensure that our pets receive sufficient nourishment. However, in many cases, we see that natural cooked food does not meet the nutrient requirements of their bodies. This is because many nutrients, such as amino acids, present in the food can be destroyed in the process of cooking. Taurine, a very important amino acid required by cats, needs to be given to them for their nourishment. This is where cat food comes in. These treats are processed with all the nutrients necessary for a cat and are also given cat-friendly tastes so that they become adaptive to it. Here are some of the best cat foods you can buy in the market.

Acana Pacifica Dry Cat Food

One of the best cat food brands available, Acana Pacifica is filled with the goodness of fresh fish such as mackerel, herring, redfish, silver hake, etc. caught right off Vancouver Island. The fish are mixed with dried or oiled ones to give this cat food a whole round of nourishment that your cat needs. It also contains some very necessary vegetables such as pumpkin seeds, sunflower seeds, chicory root, turmeric, etc. Acana Pacifica provides your cat with an all-round diet.

Orijen Cat & Kitten Dry Cat Food

Made from deboned chicken, deboned turkey, whole Atlantic mackerel, whole eggs, turkey liver, etc. Orijen makes one of the best cat foods for grown cats as well as kittens. Orijen cat food is rich in protein making up about 40% of it and another 19% is dedicated to low glycemic carbohydrates to help the growing needs of your cat. Around 10% of its ingredients comprise of vegetables and fruits such as green lentils, chickpeas, whole butternut squash, spinach, etc.

Wellness CORE Natural Grain Free Dry Cat Food

This comes in two different tastes—chicken and chicken & turkey so that you can give your cat a change of flavor along with a healthy nourishment. From deboned turkeys, deboned chickens, and chicken fat, Wellness CORE is one of people’s favorite choice when it comes to cat food. This is because, along with the meaty proteins, this brand also provides all the necessary vitamins and minerals that are needed to keep your furry friend healthy. It also uses cranberry extract to boost cat immune systems.

Castor & Pollux Organix Organic Healthy Adult Cat Food

This all-round meal for cats is made from organic free-range chickens. It also includes ingredients such as oatmeal, organic peas, and brown rice. This meal is rich in omega 3 and 6 fatty acids, taurine probiotics, and a lot of proteins and minerals, thereby making it a solid choice for cats of all age groups. This cat food contains no soy, corn, fertilizers, chemicals, hormones, artificial colors or flavors, thereby making it one of the healthiest choices for your cat.

Merrick Limited Ingredients Dry Cat Food

Primarily made from salmon, Merrick Limited Ingredients cat food is rich in vitamin D, vitamin B12, and selenium. It also contains ingredients such as sunflower oil preserved with tocopherols, pea fiber, dried yeast, taurine, etc. giving your cat a healthy round meal. This cat food contains certain FDA approved chemicals and flavoring agents, so make sure you check up with your vet before giving this cat food a try. Although there have been no complaints regarding any poisoning or other sicknesses from the users, it's always better to make sure when it comes to feeding your pet chemically enhanced food. Apart from these, there are also many other brands of cat food available which gives your cat a perfect dose of nourishment. Things to look out for when buying cat food are lesser by-products, lesser fillers such as corn and wheat, and avoiding artificial flavors and preservatives. You can give your cat the best cat food which will help provide them with the best nourishment.

Most of the times, your common cold will go away on its own if you take some simple precautions and remedies. These remedies are very common and easy to administer. Having plenty of rest: Doctors advise that people suffering from cough and cold must have a good night's sleep. Ample rest boosts the overall immunity of the patient and helps fight cold and cough. Avoiding exercise: While it is good to stick to a fitness regime, avoid exercising when you are suffering from cough or cold. Let your body relax. Exercises may stretch your immune system and this can only prolong your illness. Staying hydrated: People suffering from cold resist drinking water and other fluids. However, when you drink lots of water, the mucus sticking inside your respiratory tract loosens down and this leads you to feel better. On the advice of your doctor, you may also use a nasal saline spray to break the excess mucus down. Gargling with warm water also helps in fighting cold. Hot tea: Having hot tea helps in several ways to combat your cold. Firstly, it loosens up the excess mucus in your respiratory tract. Secondly, hot fluids kill the viruses that are lurking inside your nose and throat. Lastly, having a hot cup of tea releases endorphins, molecules that cause happiness, which raise your spirits and make your recovery faster. Adding honey to cold remedies: In a study from the Archives of Pediatric & Adolescent Medicine, parents of 105 kids suffering from cold said that adding honey to common cold remedies was more effective than using cough syrups alone. Honey helped in overcoming sleep difficulty as well. Menthol: Menthol has been a very popular remedy for treating common cold. It affects the nerve endings in your nose and makes you feel better. However, a recent study indicates that menthol based remedies increase the production of mucus rather than reducing it. If you still want to use menthol, do not apply the balm near or inside your nose. Hot brandy: Contrary to popular perception, alcohol based remedies have a limited effect on your cold. Doctors say that having a brandy or any other alcohol based remedy can cause dehydration and may prolong your cold. Having garlic: This organic food helps people in fighting cold immensely. You can have it in a crushed form, or eat it as a capsule. Garlic not only fights off cold, it also prevents people from catching this disease. While there are many common remedies to fight common cold, the best medication for a cold is ample rest.