With the advent of 4G smartphones in the market, the tech world has evolved to a new level. The market is full of innovative new 4G phones which an avid smartphone user should definitely consider buying. Below are listed some of these smartphones which are increasingly becoming popular among the users. Oppo F3 Lite: This smartphone is considered to be among best 4G smartphones and was launched in October 2017. Oppo F3 Lite has a 5.20-inch touchscreen display and is powered by 1.4 GHz octa-core Snapdragon processor. This product which can be considered among new 4G smartphones has a 3 GB of RAM. It has 32 GB of internal storage which can be extended to 256 GB through a micro SD card. Oppo F3 Lite has a 13-megapixel camera in the rear and 16 megapixels for Selfie lovers. This smartphone runs on Android 6.0 and is powered by 2900 mAh of non-removable battery Xiaomi Redmi Note 4: Among the best 4G smartphones in the market, Xiaomi Redmi Note 4 has also been able to create a niche for itself. Among the new 4G phones, Xiaomi Redmi Note 4 runs on Android 6.0 Marshmallow and will be soon upgraded to its next version Redmi Note 5. This smartphone comes with a 5.5 inch full IPS LCD display and is available in 32 and 64 GB storage options. Xiaomi Redmi Note 4 comes with 13 MP primary camera and has one of the best looking user interface available on the Android platform. The smartphone comes with a 4,100 mAh battery and is known to deliver excellent battery backup. This smartphone also has a fingerprint scanner which works very effectively. Samsung Galaxy J7 Prime: Samsung Galaxy J7 Prime is another of best 4 G smartphones in the market which runs on Android 6.0 Marshmallow. The 5.5 inch LCD display smartphone is powered by 1.6 GHz octa-core processor and comes in 3GB RAM variant. People who are great photography enthusiasts can expect some good clicks from Samsung Galaxy J7 Prime as these 4G smartphones come equipped with 13 MP of primary camera and 8 MP front-facing camera. The 16 GB of internal storage space can also be further expanded through a microSD card. Users can expect good battery life out of Samsung Galaxy J7 Prime as the smartphone comes with 3,300 mAh battery. Apple iPhone 7: This is obviously a great innovation among new 4G smartphones. This smartphone features a 4.7-inch display and is powered by an Apple A10 64-bit processor. Apple iPhone 7 comes with 2 GB of storage space and the smartphone sports a 12 MP rear camera while the front-facing camera is 7MP. The phone has a 32 GB of storage space and the internal memory is non-expandable. This smartphone comes with a non-removable Li-Po 1,960 mAh battery and runs on iOS 10 operating system. However, there are certain downsides of Apple iPhone 7 and the dual camera set up is absent. You will also not get a 3.5 mm audio jack in Apple iPhone 7. Samsung Galaxy S8: This smartphone runs on Android 7.0 Nougat. Samsung Galaxy has a 5.8 inch super AMOLED display and comes with a 12 MP rear camera while the front-facing camera is 8MP. A number of Samsung 4G smartphones have 64 GB of internal memory and this can be expanded further to 256 GB with use of external storage devices. Samsung Galaxy S8 is powered by non-removal Li-ion 3,000 mAh battery and offers a comprehensive battery back up to the users. Pick up any of the 4G smartphones listed above and you will never be disappointed with your choice.

The 15-inch laptops are the best as they are getting improved day by day. They are becoming thinner and lighter in size which makes it easy to carry them but the performance keeps getting upgraded. The advantage with 15-inch laptops is that they give a very good performance when compared to their counterparts routinely, they have a battery life. The 15 inch laptops are believed to be the best ones for gaming and they are sought after for combination with workstations and play stations. When it comes to the 15 inch laptops, the Dell XPS 15 is rated as one of the best laptops. These laptops are dependable, powerful, and robust. The best features of the latest version of Dell XPS 15 are an Intel Core i7 processor and also come with Nvidia GeForce GTX 1050 graphics card. The best among the 15 inch laptops is the Dell XPS 15 which weighs just 4 pounds with a thickness of 17 millimeters. The Dell XPS 15 comes with an Infinity Edge display with a vibrant display and a perfect color display. All these features make it perfect for office or personal use as well gaming. The 15 inch laptops are available at affordable prices which make them sought after for all every purpose. The ThinkPad laptop is another 15 inch laptop at its best. The ThinkPad X1 Carbon comes with a carbon fiber chassis, and a simple design which makes it perfect for work environment. The Thinkpad X1 Carbon comes with a cherry-red trackpoint which is found in the middle of the keyboard. This laptop comes with a thin-bezeled display and fingerprint sensor. The features such as LTE connectivity take it one step compared with the other laptops.  The best of the 15 inch laptops is the Thinkpad X1 carbon as it has the features such as detachable display keyboard. This feature makes it the most luxurious and best selling laptops. When there is a choice between a laptop and a tablet, then the Surface Book 2 can be a good choice. With the best of the features such as  Nvidia GeForce GTX 1060 graphics card makes Surface Book2 the best choice for gaming and office use. As this is light in weight, it is easy to carry and can be used for many purposes. The  15 inch laptops are the best when it comes to performance. The Acer Predator Helios 300  is believed to the best when it comes to balance between performance and  shape. This laptop comes with Intel Core i7 processor and an Nvidia GeForce GTX 1060 graphics card makes this laptop best for gaming and office purposes. The best of laptops are available in 15 inch variants which can be chosen based on the budget and the requirements both technical and other reasons such as financial reasons.

Rollover IRAs allow for the transfer of assets from your old employer-sponsored retirement account to a new plan. A combination of your 401(k), 403(b), and profit sharing assets are eligible for transfer into a new retirement plan account. In comparison to a 401(k) account, there are many potential avenues for investment with a rollover IRA plan. The Internal Revenue Service (IRS) allows for only one rollover IRA option in a financial year. Rules that govern the process of a rollover IRA Moving funds You must contact the plan sponsor to find out if a rollover IRA is possible during your employment. The process is commonly referred to as an in-service distribution. The transfer is possible only for a handful of employer-sponsored plans. Tax implications of a rollover IRA In case of a direct payment distribution, 20% of the transfer amount must be withheld for Federal taxes. For a direct rollover, there are no tax implications. Tax-free distribution Taxes will not be applicable to transfers where there is no distribution. There are no charges on the transaction that moves funds from one IRA account into another. No tax on redeposits Any amount previously withdrawn and redeposited into the same IRA account within 60 days is not subject to tax. However, there are exceptions as the rule is not applicable for different modes of transfer. Partial withdrawal You can move funds partially in case there is a need for an early withdrawal. Note that taxes will be applicable when a withdrawal is made. IRA inheritance A rollover IRA is possible if you inherit retirement funds from your spouse. On the other hand, there is a need for a mandatory withdrawal in case you inherit funds from anyone other than your spouse. In such cases, a rollover is not possible for the contribution. Reporting requirements Rollover IRAs are not taxable. However, the IRS requires you to report the transaction correctly in income tax returns to be filed with the authorities. Form 1099-R is used to report the transaction to avoid taxation. Roth IRA over a Traditional IRA It is beneficial to transfer funds into a Roth IRA to ensure the accumulation of tax-free funds for the foreseeable future.

Washers are an essential home appliance. They help keep your clothes, sheets, and other such items clean and fresh. There are two main styles of washers available— top-load washers and front-load washers. The former are common and offer basic features, while the latter usually have advanced features. Not to mention, their drums are easier to access and clean. If you’re looking for a front-load washer, here are some of the best in the market. GE appliances 4.8-Cubic-Foot Smart Front-Load Washer One of the popular front-load washers that have been stealing all the limelight is the GE appliances 4.8-Cubic-Foot Smart Front-Load Washer. It comes with a decent capacity of 4.8 cubic feet and is highly efficient in terms of cleaning performance and energy. The washer is packed with top-notch features that enhance your washing experience and leave you with fresh and clean items. The home appliance is also energy-star certified and comes with five spin settings and twelve different wash cycles to match different items of clothing. It also has steam washing for stains and a twenty-minute quick wash cycle if you’re in a hurry. The washer also comes with Wi-Fi capabilities which allows you to monitor the cycle via your smartphone. The washer is also stackable with any compatible dryer, which allows you to save space. The 32-inch depth offered by the machine ensures that it is smaller than the standard washers. The machine also comes with a venting system that prevents moisture build-up, leaving your clothes smelling fresh and clean. You can bag this washer for roughly $1000.  Electrolux 4.4-Cubic-Foot EFLS627U Front-Load Washer The Electrolux 4.4 Cubic Foot EFLS627U Front-Load Washer is one of the best front-load washers you must surely try. The model offers features that help wash your clothing and other items as efficiently as possible. The washer comes with a top-notch detergent delivery. It also has a dispenser where the detergent is mixed in with water. This allows the detergent to be active from the start of the wash cycle. The washer also focuses on giving the best in terms of washing and has nine different cycles to tackle different types of clothing. It also has a steam setting and four different water temperature settings. You can also expect energy efficiency from this washer. The only downside is that this does not come with a dryer and you may have to splurge some more to get a matching one. The price of this front-load washer is around $1500 and it is available in two finishes. LG 5.2-Cubic-Foot WM9000HVA Front-Load Washer If you’re looking for a large front-load washer machine, you may want to check out the LG 5.2-Cubic-Foot WM9000HVA Front-Load Washer. This washer has the greatest drum capacity which means you can do a lot more laundry in one go. Despite its massive capacity, this washer does not compromise in terms of cleaning performance. It also offers different cleaning settings and cycles. Another great feature of the front-load washer is that it comes with Wi-Fi connectivity. This allows you to connect your washer to the smartphone, giving you access and control of certain features via the LG ThinQ application. Its matching dryer is the LG 9-Cubic-Foot Smart DLEX9000V Electric Dryer. Unfortunately, this dryer is not stackable and has to be placed side-by-side. The price of this washer is roughly $1800 and it is available in a graphite steel finish.

Estate planning is standout amongst the essential steps any individual can take to ensure that their property and health care wishes are respected, and that friends and family are accommodated in their nonattendance. Although it can be a complex and intimidating task, hiring an attorney or a tax advisor can make a huge difference. Nowadays estate planning is not limited to the elite class of the society; any grown up individual can have an estate plan. Estate planning firms pay attention to the special needs and concerns of their clients. If you follow a proper legal process, your assets can safely be passed on to your children and other family members of your choice. Making a will A proper estate plan begins with a will that provides instructions. It is a legal document that directs the decedent's plans for burial and to whom he or she wishes to pass on the property and money. It is a legal procedure under the watch of a judge, which would allow the transfer of money and properties to the beneficiary's account. This legal process is known as probate. Revocable living trusts A revocable living trust is another popular estate planning tool, which most people use to avoid the probate period. Living trusts are revocable as they can be subjected to changes in case of a change in circumstances. While legal processes like probate can be expensive and time-consuming as it is a court-supervised process, properties left through a revocable living trust can be directly passed on to the beneficiaries without probate. A revocable living trust can be more expensive than a will. However, unlike a will, it won't have to die with the owner. A living trust allows you to reduce the chance of a court dispute over your estate, thereby keeping your document private after death. Best time to plan None of us really know when death may strike, so many people get caught off-guard and are under-prepared. So, instead of waiting for a proper time, plan your estate now! If you have made a plan, then you'll be able to change it later. This is why estate planning is done, and trusts are preferred over wills. An estate planning is not always expensive In case you think that you won't be able to afford a complex, expensive estate plan, then there are simple plans like life insurance, leaving an inheritance for children and health care decisions. An estate attorney is a trained professional in this field and will be there to guide you. You can also seek help from a good attorney in the legal processes and ensure that your rights are protected. Peace of mind Finally, the most important benefit of getting your estate plan done is complete peace of mind. When you know that you have a foolproof plan in place that will protect your family against all odds, it will give you a total satisfaction. This is one of the most thoughtful and selfless thing that you can do for people you care.

Traveling is a major task, especially when undertaken for long distances. If you are traveling for a short distance, and that too by your own vehicle, then you may not have to make as many arrangements. Yet, when you travel by air you will need to start right from booking the seats to packing properly and tying up with a transport service to and from the airport, among many other things. While many people may feel daunted by the task, especially in case of international air travel, there are several ways in which you can make your life easier. Come and have a look at this checklist to make air travel an easy affair. Bookings: You can find and book air travel seats at the best price if you plan your trip on time. You can easily find the best possible deals on such travel portals, which will help you plan your trip. These portals also give you the option of booking hotel rooms and tours. You may want to take a look at the package deals as these may turn out to be cheaper. Remember to check fares and package prices before you book, so that you find the best possible deals. Airline regulations: While most of the air travel rules are pretty standardized for all passengers, there may be certain regulations followed by specific airlines. So, you may want to visit the airline website you are using and go through their regulations when it comes to the specifications for the baggage including size and the things that you can and cannot carry. This is especially helpful if you happen to be traveling long distance or even international, as it will smoothen your immigration process. Weigh your bags: The weight of your baggage is one of the most important things that can cause chaos at the airport, if you have not planned and packed properly. In case the weight overshoots the limit specified in the airline regulations, then you will have to pay extra or maybe even remove some of your belongings before you travel. In order to avoid doing this, pack your absolute essentials first and then add what you want. At the end of your packing process, you must weigh your bags to ensure that you have not overshot the weight requirement. Timings: Always be sure to double check the timings especially when you are flying across different time zones and you have connecting flights to catch. Further, you will also need to check on how much layover time you have and whether or not it will be enough for the change of flights.