There are a lot of retirement plans for you, but if you decide to stick with only one plan, it can’t be of much help. A good retirement plan does not consist of any one asset but comes with a stack of income sources made and planned to meet your goals. Here are some best options for you: Pensions: Pensions are the easiest among the lot as it does not require much of your effort in managing them. The funds are managed professionally when the employer finishes contributing all the money. You only need to stay on the job as long as possible, then retire and collect. But everyone does not get this option. Unlike government and municipal workers, pension plans are less popular among corporates. Many pension schemes are not as generous as before. Most of them do not offer the cost of living adjustment, so the first amount remains same as you will get at 80-90 years. To avoid problems, you must save additional funds. Defined Contribution Plans: If the defined contribution plan is of 403b or 401k, then you are saved for future. You need to choose if you should participate, which plan option is suitable for you when to change those options, and how much to contribute. These are considered as the best retirement plans for pensions by many financial advisors. Contributions will be deducted from your paycheck. Thus you won't have to worry about the same. So, you will not need any ongoing effort to invest. But there is a limit for contribution. Roth IRAs: This is an independent retirement account which is funded with taxed dollars. This allows you to enjoy the benefits of tax-free growth and tax-free withdrawals. It is recommended for you to do a 401k employer plan and added to that a Roth IRA if your income level admits. In this way, you will get a sensible plan which will allow you to make pre-tax contributions to the employer plan and after-tax contributions to the Roth plan.

The main purpose of a wine rack is to store wine bottles at a proper angle to ensure that the cork remains covered in wine and doesn't dry out. A dry cork affects the oxygen balance in the wine bottle which not only affects the aging process of the wine but also spoils its quality. The slight angle to of a wine rack ensures that the cork remains solid as well as saturated. Different styles of Wine Racks: The following are the four types of wine racks:

• Modern Wine Racks Having a bold design and contemporary look, modern wine racks are available in different shapes, unique color palate and in some beautiful materials. Not for the vintage lovers, modern wine racks are best suited for people having an artistic outlook as these racks act as a focal point in any room and create a bold statement.
• Traditional Wine Racks Quite simplistic in nature and look, traditional wine racks are more subdued and have antique style. Such wine racks help in conveying a sense of elegance along with sophistication.
• Antique Wine Racks Boasting of artistry and craftsmanship, antique wine racks are the most loved because of the detailing and the ornate designs that make them stand out. They are also loved for their durability along with the workmanship and the aesthetic beauty it adds to the room.
• Novelty Wine Racks Quite similar to the modern wine racks regarding design and style, novelty wine racks are loved for the visual appeal they lend to the surrounding. Usually seen most in single bottle designs, these wine racks help to showcase individual interests and also match specific dcor themes.

Different types of Wine Racks:

• Single Bottle Now these might not be considered as racks, most of the novelty wine rack designs are single bottle styles. Single bottle holders are normally used at the dinner table as t helps to hold the particular bottle that is being served that moment.
• Table Top & Counter Wine Racks - Similar in design, table top & counter wine racks have a few differences as well. Table top wine racks, for instance, are more elaborate when it comes to the design part. This is because most of the times they act as the centerpiece at the dinner table. Counter top wine racks, on the other hand, blend well with its surroundings and are not ornate in design.

Stacking & Modular Wine Racks: Best suitable for those who are looking for expanding their collection, stacking and modular wine racks can normally hold five to ten bottles and also allows the addition of extra units that can be used to house additional wine bottles. Providing easy access to the various wine bottles, wine rack makes it possible for the owner to rotate bottles as per the needs and you can also have a look at the labels when selecting the wine for consumption.

Your smartphone is something you can never live without. If you are the owner of one of the latest mobile phones, say an LG phone, then you have an added responsibility of taking utmost care of it. Since your LG phone is so precious, imagine how appalling it would be if there's a nasty crack on the back of your phone! You would have to spend quite a few dollars for repairing it. Here's a thought, why don't you protect your phone from such disasters instead of spending money on it? All your need would be a LG cell phone cover for your new phone. If you are on the lookout for the best LG cell phone cover for your phone, here's a list of the LG cell phone covers that everyone loves. Lifeproof Fre- As the name suggests, it would guard your LG phone's life. It is a heavy cover and shields your phone from different kind of dinks and scrapes. Also, it can make your phone waterproof and protects it from any kind of spill. So, here's a LG cell phone cover that turns your smartphone into a waterproof and scratch-free device. The Ballistic Jewel Series Case- This LG cell phone cover may look fancy and light, but it does its duty with great sincerity. This LG cell phone cover offers splendid drop protection, unless you hurl it from your window. The corners are covered with the strong case and no part of your phone would touch the surface it is kept on. This means zero scratches. Tech21 Evo Check Case- If you wish to strike a balance between your desire for a minimalistic LG cell phone cover and a cover that would change the face of your phone, then the Tech21 Evo Check Case would be the perfect option for you. It protects the metal body of your phone from receiving scratches and has slight cushioning which comes in handy in case your phone falls. ArmourDillo LG protective case- As the name suggests, this LG cell phone cover would act as an armor for your phone. It gives the phone a rugged look and does an extremely commendable job of protecting your phone. Ghostek Covert- The intriguing name implies what you already know it is not conspicuous. Though it might look quite ordinary, the rounded corners and the tempered glass screen protector would ensure your phone remains unscathed despite its various trysts with the floor. The purpose of any phone cover is to lend protection to the phone and at the same time make it look attractive. These above-mentioned LG cell phone covers perform this feat effortlessly.

Saturated media is the leading reason due to which more and more useless myths are being shared, which makes it difficult for people to identify valid and relevant information from the rest. Misleading information about women's health can cause a lot of confusion and lead people astray. Here are a few common myths about women's health explained for your reference: The Myth about weight gain during and after menopause: Weight gain is one of the leading concerns which has on countless occasions led to women employing drastic food and health changes which might prove to be detrimental to their overall health. Weight gain during menopause is normal and should not be a worrying cause for concern. It is just one of the changes women experience during this transition period and weight gained certainly does not have to be permanent according to a myth that says so otherwise. Myths about low fat and low-calorie diets: Many people think that restricting the number of calories consumed per day will help control your weight. This is, however, just a temporary fix and not a permanent solution to maintain a healthy weight and body mass index. The body needs a certain amount of calories (being the primary energy source) and certain fats for vital functions, which might get affected due to any imbalance. Weight gain or loss also depends on how your metabolism works. People with a high metabolism tend to not gain any weight at all despite their calorie intake and vice versa. Cutting calories will not affect the metabolism at all, which is why a healthy diet has to be maintained. Minimum hours of sleep recommended: A useless myth affecting women's health which states that as you grow older, your sleeping patterns and the number of hours you sleep for is reduced. Ideally, medical professionals recommend a good eight hours of sleep for both men and women. Only the sleep cycle changes as you grow older, affecting deep sleep phases. It will be difficult for women above a certain age to achieve a full deep cycle without any disturbances, compared to younger women. The myth about decreasing sex drive: Researchers have revealed a very surprising survey of sex drive while comparing findings for womens health. It has been observed that the libido does not decrease with age necessarily. There are factors like hormonal imbalances and menopause which might affect your libido. However, these factors don't necessarily affect womens health as you grow older.

With a number of insurance companies offering their assistance and expertise for building insurance plans and policies, finding the right one can be tricky. Here are a few easy steps you can follow in order to ensure you buy the best insurance policy. Firstly, hire a certified professional to evaluate the entire value of the building you own. Certified experts and professionals will take into account all the factors that might affect the current value of the building in order to get an accurate estimate for an insurance policy to be taken. Inventory in the building has t be accounted for. insurance will cover only those items which are included as part of the inventory and as part of the policy. Inventory which has not been accounted for cannot be covered under the terms of the policy, which will again vary across insurance providers. Liability insurance quotes must be included as part of the policy even of you are not the owner of the building but are renting the property out for business purposes. Building insurance will vary across providers naturally, but in the case of some areas where additional clauses have to be added for hurricane damage of damage that might occur due to other natural disasters should be part of the insurance clause taken. The most important thing to check in a building insurance policy is whether there are clauses that allow the loss of use payments to be made for repairs and recovery of the building. In case the insurance claim has been made for any one of the reasons for which the insurance was taken, the time taken for a commercial building to get ready and resume business, as usual, will be substantial. This down time will result in losses in terms of time and money. the additional expenditure incurred will only add to the total bill. This can be avoided if the insurance policy will cover for repairs and recovery loss. For building insurance, make sure you get a number of bids to compare across before selecting a policy. It is advisable not to rush in these matters since once the policy is taken, it will be quite tedious and challenging to switch time and time. this will not only cost you more money but also you will end up wasting time since you could not make up your mind initially. A simple way to avoid these mistakes will be knowing exactly what you want to be insured and what should be covered as part of the policy.

From the humble raggedy Ann doll to porcelain dolls, there are probably over a million different types of dolls available today. There are dolls that open and close their eyes, dolls that say ‘mama' and then dolls that look so much like new born babies that you may be fooled into believing that they are living beings. These handcrafted dolls are known as reborn dolls.

It was in the late 1900s that the art of creating these dolls began gaining popularity. In the beginning, these dolls were given life-like qualities by sanding off the original paint and repainting them in more natural tones with details like intricate veins, while also adding new hair. Thus, the way they were originally made, gave them the name by which they have been known ever since. Today, these dolls can be crafted from an existing vinyl doll or created from scratch with doll kits. In case of the latter, the process may be known as newborning. The size of these reborn baby dolls for sale can range from a few inches to life size.

The easiest place to find reborn baby dolls for sale is online. They can be purchased through e-commerce sites, an artist's online store or through conventions and fairs. In addition to buying ready-to-play-with dolls, you can also get yourself crafting kits to create your own reborn doll. Many people who buy these dolls collect them as a hobby and invest some serious money into them.

The price of these dolls depends on a number of factors including the sculpt used to create the doll, the artist's name and experience and the quality of the doll. A doll that retains its original parts may also expect a higher price as it was made to specifically fit that doll and hence matches the proportions perfectly. It may also bear the original artist's signature. If any of the original parts have been substituted for newer parts, they must be made with material that matches the original parts and be appropriately proportioned.

Pay special attention to size, fittings, alignments, type of paint used and coloring while buying one such doll. Excessive use of dye or the use of colored sand to add weight can make the paint seep into the vinyl and make the baby look too dark. A shiny finish on the doll could indicate the use of acetone to wash the doll's surface before it was painted. This is not desirable as acetone can keep the paint from adhering to the doll's surface. Also pay attention to the type of hair used and the technique it is applied with to determine the quality of your doll.