While planning a vacation, we often focus on things like flight tickets, hotel reservations, and tours, and forget one important part—car rentals. It is a cheap and convenient way to journey through your holiday destination. However, you need to consider the price, model, and insurance before settling on the car rental of your choice. Here are a few tips and tricks to help you find the perfect car rental: Compare before you buy You wouldn’t buy a car without considering many dealers and companies first. Similarly, don't settle for just one car rental service company; look around. There are a few comparison tools online, such as CarBooking.com and Bookingbuddy that help you compare different car rental services. You can compare prices, car models, insurance, etc, to settle on a convenient package. Comparing car rentals beforehand saves time and is convenient as you don't have to wait for long after you arrive at the airport. What, where, when, and how? Before you book car rentals, you should consider answering these four questions. Firstly, you need to decide what kind of car you would like to rent. It usually depends on the number of people and their bags. You would need an SUV or a larger car for bigger groups, while an economy car that accommodates four people is sufficient for a small family. Also, if you have a baby, consider inquiring about baby seats and other safety measures. Secondly, you need to be clear about your destination and its route. Before booking car rentals, ask yourself if you know the route well. If not, a car with a GPS and unlimited internet is preferable. Furthermore, decide if you require a toll pass or waiver. It helps you drive through toll booths without making stops and haggling for exact change. Additionally, this helps you be safer as you would know your whereabouts. Thirdly, be sure to give the exact time and date of your arrival. Some car rentals ask for flight details and adjust their services accordingly if there are any delays or cancellations. Lastly, you can book these car rentals online through websites such as Alamo, Dollar Car Rental, Budget Rent a Car, Avis, Thrifty, or Enterprise. However, unlike New York and Michigan, where the age limit is eighteen, you need to be twenty-one or older to rent a car. Some of these car rentals charge more or add more restrictions if the driver is below twenty-five. It usually depends on the location and the type of car. Do not book the car at the airport While it seems convenient, booking car rentals at the airport might cost you more. The airports charge ‘customer facility charges’ or ‘concession recovery charges’ that may burn a hole in your pocket. Instead, consider booking your car through your hotel. Generally, the hotel themselves provide transportation to pick you up and drop you back to the airport. For any longer journeys, you can ask the hotel for recommendations. Check hidden fees Sometimes, car rentals charge you extra if there is insufficient gas in the car when you return it. Always check the gas gauge before you head off or refuel before you return the car. You can also pre-purchase a full tank of gas when you start. Also, some companies charge for extra if you return the car earlier than the given period. Most car rentals make you pay less the longer you rent, so make sure to read the fine print. Bring your own baby seat Car seats or booster seats are mandatory in cars for any child below twelve if the current seats do not fit them properly. While most car rentals already provide you with car seats, it is always better to bring your own. When it comes to safety, you shouldn't compromise on the quality. Also, you may save a quick buck by bringing your own car seats. Most airports let you check in baby car seats for free. Moreover, you also save yourself from uncomfortable situations if your car rental doesn’t have one in stock. Renting a car abroad Though it might seem like a daunting task, renting a car in a foreign country is quite similar. However, you must be careful about the policies and check if you would need an International Driving Permit. If yes, you are obliged to get one before you leave for your vacation. Countries like Canada, the UK, and some parts of Europe do not require an International Driving Permit. If you want to apply for it, you can do so at the American Automobile Association or National Automobile Club. All you need to do is fill out an online application and mail it to the nearest branch, along with a photocopy of your driver's license, two passport size photographs, and a fee of $15. Make sure you apply for this at least six to seven weeks before your vacation. If you are booking car rentals abroad, you need to also consider some subtle but important differences in the cars and places. For example, on which side of the road the country drives, how brands differ, and if the car is a manual one or has a stick.

There are several ways in which you can fight common cold and flu without taking unnecessary medications. The flu usually attacks the respiratory system, and when you fall ill, your body turns into a war zone where the germs tear into your body's strong defenses. The microbes that enter your body start to take over your cells and then kill the cells after they multiply, causing cold and flu symptoms. Here are seven natural ways for you to beat cold and flu symptoms: Drink plenty of fluids Keeping your body hydrated is very important. You can drink water or other fluids if you want but avoid sodas and soft drinks. Warm ginger tea A cup of warm ginger tea soothes the throat and opens up your sinuses. It helps clear the congestion and eases the aches you have in your body. A salve or balm Just applying a simple salve or a balm can prove to be beneficial. It opens up the nostrils and clears out the mucus. This way, you get rid of the congestion and headache caused by cold and flu. Stay clean It is highly important for you to stay clean at all times. Take a shower every day and wear clean clothes. You will not only be clear of germs, but you will also feel fresh and a little better. Bath salts Essential oils and bath salts can help tackle the flu. The refreshing smell and the ingredients in the salts, especially if it is tea tree oil or eucalyptus, can help kill the germs and release the mucus. If you are using lavender, it can help de-stress your mind and body to help you relax. Steam This is one of the best natural solutions for cold and congestion. You can use a few drops of eucalyptus oil in warm water and then wrap a towel around your head and shoulders to inhale the steam. This will give you immediate relief and help in recovering from the cold over time so that the congestion does not set in again. You would consult a doctor before taking any of these measures, in case you are suffering from any chronic conditions.

Health insurance is one of the best ways to be prepared for unexpected health emergencies and expenses. Although the jargon and technicalities may seem confusing at times, it is important to prepare yourself mentally and read through all terms before making a big decision, such as finalizing your insurance provider and agreeing to their conditions. To make this process easier for you, here are six things you must know before buying health insurance:

Waiting period
The waiting period is the time where one cannot raise a claim against the health insurance plan. Generally, insurance providers have a 30-day waiting period, during which they may not accept claims. This period may be even longer for pre-existing conditions, maternity benefits, and certain other ailments, and will differ from company to company.

Coinsurance and copay
Coinsurance is the percentage of the claim that is borne by the policyholder. Copay is a flat fee paid every time you receive a health care service. When shopping for health insurance, it is important to find the right percentage of premium and coverage, as a lower monthly premium could mean higher out-of-pocket costs, and vice versa. Checking these details and choosing a policy carefully could significantly lower your healthcare costs over time.

Summary of benefits
Visit your insurance provider’s website for details about their various plans and the services they cover. Compare these benefits with other plans to find the right one for you and your family. You may find key differences in plans in areas like physical therapy, fertility treatments, and mental healthcare, so be sure to factor this in when making a decision.

Your family’s healthcare needs
Consider the amount and type of treatment you and your family members have received over the past. Some of these conditions may require regular intervention, making them a recurring expense. Weigh these needs against the list of benefits offered by your insurance provider. This may help you make a more informed decision, and reduce your bills in the future.

Health Plan Networks
When looking for a new health insurance plan, it is key to look for one with a larger network. This is because there is a significant difference in costs when one goes to an within-network provider, as opposed to one outside the network, as the insurance agency has already negotiated lower prices. If you already have a doctor you would like to continue seeing, ask them if they accept your new insurance plan.

Opting for a plan with a larger directory will give you more flexibility and more options to choose from, and switch between doctors if needed. Avoid opting for healthcare plans that do not have any local in-network doctors.

Comparing available insurance plans
Generally, there are four managed healthcare plan types to choose from - Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service Plan (POS). The main differences between these plans lie in their network coverage, requirement of referrals, and the cost.

HMO
You have the least amount of flexibility here, and must choose between in-network providers, except for emergencies. It generally requires referrals and has low out-of-pocket costs.

PPO
While there is more flexibility with these plans, staying within the network leads to lower treatment costs. Out-of-pocket expenses for such plans are generally high.

EPO
With an EPO plan, you can directly choose between the in-network providers, without having to work with a primary care physician. Out-of-pocket expenses for these services are lower than PPO.

POS
With a POS plan, you are required to visit a primary care physician and get a referral from them, before you can visit a specialist. Although referrals are mandatory, this allows you to have access to more provider options, and a primary care physician to navigate all your healthcare needs.

How to choose your health insurance policy?
When buying health insurance, the federal health insurance ‘Medicare’ is perhaps the most popular option. It has two coverage options: Traditional Medicare (Part A and Part B, and Medicare Advantage Plan (Part C). Those looking for additional coverage may also opt in for Medigap.

Part A of this insurance plan covers inpatient care in a hospital, skilled nursing facility care, nursing home care, hospice care, and home health care. Part B covers necessary, as well as preventive services like clinical research, ambulance services, durable equipment, in-patient care, outpatient care and partial hospitalization for mental health services, and limited outpatient prescriptions. These plans require the payment of a deductible and coinsurance, which is usually 20% of the cost of the approved service.

Part C or Medicare Advantage is rolled out by a private company and may offer extra benefits like vision, hearing, and dental services. It also sets a limit on what you will have to pay out of pocket each year for covered services, making it a more attractive option for many.

Anyone can join these plans during these enrollment periods.

Initial Enrollment Period
You can join a plan when you first become eligible for it.

Open Enrollment Period
You can join, switch, or drop a plan between October 15 - December 7 each year. Coverage for the new plan begins on January 1.

Medicare Advantage Open Enrollment Period
Those enrolled in a Medicare Advantage Plan may choose to switch to another, or go back to the Original Medicare Plan between January 1 - March 31 every year.

Many people think Attention Deficit Disorder (ADD) or Attention Deficit Hyperactivity Disorder (ADHD) is associated only with kids and children outgrow those symptoms. But 60% of children will still have symptoms of ADHD like impulsiveness and hyperactivity even as they become adults. It is believed that about 5% of young adults, both men, and women, in America are diagnosed with the symptoms. Many children who are suffering from ADHD have it even as an adult. But some adults get it diagnosed later in life because their symptoms may not have been noticed as a child. These symptoms do not develop later in the life. They develop and grow since childhood. Symptoms of adult ADHD: Adults who are suffering from ADHD find it hard to do the following tasks: Remembering information Following directions Finishing work on time Concentrating on the current activity Managing time Following traffic rules and driving safely Challenges for ADHD adults: Adults suffering from ADHD symptoms often find it hard to carry on with their activities at work and at home. But eventually, they learn to work around their weakness. Most of these adults find their strengths and become successful in their lives. Some of the challenges that adults with ADHD face include the following: Depression Forgetfulness Chronic boredom Trouble in controlling their anger Low self-esteem Impulsiveness Mood swings Procrastination Problems in maintaining personal and professional relations Getting into substance addiction and abuse Lower tolerance for frustration Always being late No two persons have same ADHD symptoms, so the challenges faced by them also differ. If you are in school or college, due to attention problem, you may be underachieving and have to repeat grades. Due to problems in controlling anger and frustration, you may get into trouble a lot of times and some adults may even get dropped out of school for the same reason. Treatment of adult ADHD: Treatment for children with ADHD differs from adults with ADHD. Normal treatment includes medication, psychological counseling, and training. The most common prescribed medications are stimulants like amphetamine and methylphenidate. These medications have chemicals called neurotransmitters that boost the levels of the brain. Other non-stimulant medications include atomoxetine and antidepressants like Wellbutrin, Bupropion, and others. Counseling an ADHD-affected adult: Treatment for ADHD also includes psychotherapy to help you. Counseling trains you on the following aspects: Organization skills and time management skills Improves problem-solving skills Reduces impulsive behavior Works on your relationships, both personal and professional Works on your failures (social, academic and professional) Develops self-esteem Anger management Apart from medical intervention, it is also believed that mindfulness meditation can help you improve your attention spans and mood.

Type 1 diabetes is a chronic health condition that affects the ability of the pancreas to produce insulin. This inadequacy causes an abnormal rise of sugar levels in the blood. Type 1 diabetes ensues when an autoimmune disorder occurs in the body, which mistakenly destroys the beta cells (cells that produce insulin) in the pancreas. This type of diabetes is usually diagnosed in children and young adults, but older individuals are susceptible to it as well. If you are tackling with type 1 diabetes, you don't need to be alarmed. You still have a chance to live a completely normal and healthy life. Here are some tips that will help you maintain a healthy body while you deal with type 1 diabetes. Insulin “ Due to the lack of necessary organic insulin, you will have to inject your body with insulin on a daily basis. The dosage patterns will be decided by your healthcare provider. You are also advised to closely observe your blood sugar levels to ensure moderation. The doctor will also prescribe additional medications depending on the severity of your health condition. Diet and exercise “ You must ace the art of balance to sustain normal glucose levels in your body. And to achieve this stability you have to increase the intake of healthy food. Healthy food doesn't only mean leafy vegetables, fruits, and zero sugar. Consume a well-balanced, wholesome diet and also devise a stringent eating schedule. Your diet has to be coupled with regular exercise to obtain actual results. A daily workout of 30 minutes is mandatory. You can opt for activities like brisk walking, cycling, or running. Lifestyle “ Your habits massively affect a health condition like type 1 diabetes. If you smoke or drink, it is advised that you immediately quit. These two elements can not only aggravate your sugar levels but also increase the risk of heart diseases. It imperative to curb stress as well. If you are dealing with anxiety or depression, seek immediate assistance from doctors, family, and friends. Eyes and feet “ Eyes and feet are two parts of the body that are quickly affected by diabetes. If you are suffering from blurry vision, watery eyes, headaches, or eye aches then immediately seek the counsel of an ophthalmologist. When it comes to feet, diabetes can cause sensory neuropathy (lack of sensation), foot ulcers, slow healing of foot injuries, nerve damage, and bad blood circulation. Whenever you visit your doctor, make sure to get your feet examined to rule out any risks.

Financial advisory is an art that connects intellectual thinking, strategy building and planning with money management. A financial advisor is an agency or an individual who can provide financial services associated with various financial aspects such as investment management, tax payment, asset management, etc. Financial advisors include financial planners, insurance agents, brokers, investors, lawyers, private bankers, accountants, etc. Here is a list of the best financial advisory services available in the country:  Vanguard The Vanguard Group, based in Pennsylvania, is a leading investment advisor in the United States. It is one of the most prominent financial advisor firms and has more than $7 trillion in global assets under management. Vanguard is famous for its low advisor fees and its huge variety of offerings. Their significant services include mutual funds, exchange-traded funds, brokerage services, financial planning, asset management, and trust services. The company provides its investors and customers unlimited access to financial advisors, low expense ratio on funds, solid investment selection plans, goal-based planning, etc.  Montag & Caldwell Montag & Caldwell, a financial advisory firm based in Atlanta, is among the best financial advisors ranked by CNBC. This firm's total asset under management is expected to be more than $2.3 billion. The company aims to provide its clients with high-quality financial advisory services and superior returns. They emphasize maintaining high standards of business ethics and a strong commitment to producing investment results for customers. The major service of this financial establishment is providing advisory services on investments in equities and fixed income securities. Their investment policy group comprising portfolio managers and research analysts contributes to a smoother decision-making process.  Betterment Betterment is a financial advisory firm based in New York City. The company is registered with the U.S. Securities and Exchange Commission and aims to provide cash management and investment services in digital form. Betterment provides its customers with investment, cash management, and planning options such as automated investing, crypto investment, checking services, retirement planning, etc. You can make quicker investments by signing up for the Betterment mobile application. Investors can start their journey with even ten dollars and utilize automated strategies and tools to grow their assets.  Fisher Investments An independent financial advisory firm headquartered in Washington, Fisher offers its clients a wide variety of financial advisory services. With commitment and a personalized approach, Fisher claims to manage $197 billion for investors globally. They are transparent about all the investment decisions they make. Fisher investment aims to provide disciplined and straightforward investments through its long-term financial advisory services such as budgeting, personalized portfolio management, and annuity assessment. Additionally, they also offer retirement plans and other financial planning services.   J.P. Morgan Asset Management The J.P Morgan Chase & Co. is a multinational investment bank and private financial service holding company with significant importance in the country's history. The company was founded by none other than the legendary John Pierpont Morgan, a veteran investment banker and financier of the late nineteenth century. As a global financial advisor, the company focuses on strategic advice and solutions for various financial aspects such as investment banking, risk management, capital raising, commercial banking, and merchant services.  While selecting the firm of your choice, you can analyze information regarding their services, consulting fees, advisory certifications, minimum investments, availability, location, etc., so that you can choose with confidence.