A few years ago, opening a bank account meant several trips to the bank branch and even more formalities to be completed. Visiting a nearby branch and waiting until your account could make most of us procrastinate the much-needed task. Opening a bank account is necessary and there is no way you can get away from it. But the good is that you can now open a bank account online. Well, yes. With the development in technology, several banks have begun to offer this facility. If you wish to open a bank account online, you can do so with much ease. However, there are few challenges that people may face sometimes. Here are some reasons when you will be left with no option but have to visit the bank: Age factor - When you try to open a bank account online, you will have to fill in details about your age. Individual who are under the legal age of 18 may not be able to go ahead with the procedure. The reason behind this is that any person who is under 18 can not open an independent bank account. One will have to start a joint account with a guardian. The guarding does not have particularly be a parent and be any adult. This procedure will require you to visit the branch of the bank. Citizen of the country - If you are a citizen of the United States, you be able to easily open a bank account online. But this does not mean that non-Americans can not. An individual who is not a citizen may have to produce the certain document and undergo verification before the procedure is completed. For this reason, a trip to the bank will be necessary. Unclear account history - The bank will check your past history before letting you open a bank account online. If you have an unclear history or have a past record of checks getting bounced, you request of opening a new account may not be accepted. The system will report an error and you will have no choice but to visit the bank's nearest branch to sort out the issue. Entity accounts - If you are opening a personal account online, there should be no hitch in the process. However, if you have to open an account for a business or specific organization that is a high chance that you have to go to the bank's branch to carry out certain types of verifications and personally get in contact with the banking professionals.

Most carriers offer two primary types of cell phone plans: prepaid and postpaid. A prepaid plan is considered more affordable. You pay a fixed amount to activate the service for a specific period and recharge at the end of the plan period. The best part is that there are no unanticipated changes. However, there are many prepaid plans, and choosing one can get tricky. Here are the best options from top carriers.

Mint Mobile
Mint Mobile is known for the best overall value prepaid packages. You can choose from many monthly plans, ranging from $15 to $30. But the 20 GB plan at $20 per month strikes the ideal balance between data and cost. Besides 20 GB of 5G or 4G LTE data, you get unlimited talk and text. The price is applicable for the first three months. After that, you can renew with a three, six, or 12-month plan. You can also opt for Mint Mobile’s family plan, which costs $15 per month per line for more than two lines.

Verizon
This carrier provides some of the fastest internet speeds and the best coverage. Verizon’s 15 GB prepaid plan for $50 a month is the most cost-effective. It provides 5G coverage and the option to use your phone as a mobile hotspot. You can get a $5 discount for signing up for autopay. Additionally, Verizon will take $5 off the monthly fee if you stick with your plan for three months and another $5 after nine months. Thus, keeping with Verizon can reduce your monthly mobile bill to $35.

Visible
Visible offers the most affordable unlimited prepaid plan. You can use as much data, talk, and text as you like for $40 per month and enjoy free mobile hotspot access. However, opting for Visible’s Party Pay leads to a reduced price per line. Four unlimited data Visible lines cost just $25 per line per month. These offers will help you save money on your phone bill.

AT&T
The best carriers often do not offer many prepaid plans. But when they do, the benefits are like no other. AT&T offers 61 GB of data for $25 per month when you pay for an entire year in advance. It is an improvement from the carrier’s previous plans as it offers twice as much data. Hotspot internet, HD video streaming, and the ability to carry over unused data for a month are some features of AT&T’s plan. It is probably the best unlimited prepaid plan on the market.

T-Mobile
T-Mobile provides a range of exciting prepaid plans under its T-Mobile Connect brand. You currently get 3 GB of high-speed data and unlimited talk and text for $15 per month. If you want more data, consider the $25 monthly plan that offers 6 GB of internet. But if you can do with less data, the 1 GB plan will reduce your monthly cost to $10.

Tello
Tello has many prepaid plans, but its Economy package is probably the most cost-effective. It is a 1 GB plan with unlimited talk and text that costs just $10 per month. While this plan will appeal to those who do not need a lot of data, most people select the 5 GB Smart plan at $19 per month. Just $10 more gets you unlimited data.

Walls make up most of the visible area of a home, which is why it is very important to pay close attention to how your walls look. Any redecorating that you are doing will be incomplete if the walls have not been suitably done up to fit harmoniously into the theme and the overall styling of your home. Gone are the days when the only options for your wall were wallpaper, or good old paint. While wallpapers themselves come in a great number of textures and variations, for a truly impactful look, wall panels are the way to go. To begin with, panels mimic all kinds of material, from stone to tile, from metal to wood. This makes them great not just for looks, but also in terms of cost and maintenance. For example, kitchen backsplash panels wonderfully mimic brick, old-fashioned tiles, or wood. For a cafe kitchen look, there are also faux-tin options that look terrific. Since they are durable and easy to maintain, they are perfect for functional spaces such as the kitchen, which is prone to splatter and stains, especially at the stove. Kitchen Backsplash panels are a breeze to clean, all it usually takes is a bit of soap and water. You wouldn't want to waste your precious money by getting a wooden panel, which, after getting drenched, would start rotting. Instead, opt for kitchen backsplash panels that can imitate the wooden design, and this would save a lot of money. Moreover, these kitchen backsplash panels go over almost any surface, however rough or textured, requiring no preparation of the base wall. Panels are also easy to replace if damaged often you can replace a single damaged section alone, and relatively quickly. Increasingly, people are finding that panels are great for sunrooms and spaces that get a lot of light, as panels are resistant to fading, and keep looking bright and vibrant for years. Thus, you can see that panels in any forms are quite effective and stylish as well. These kitchen backsplash panels are a rage these days and not only they change the aura of your kitchen, they protect it as well. You don't have to worry about your modular kitchen looking dingy after a while.These panels also provide the advantage of sound-proofing your space, as they add an additional layer that helps muffle sounds and keep a room quiet. Especially with today's popular, fast and cheap modular construction, panels are often the obvious choice for new homes. Where the look and styling of kitchen backsplash panels is concerned, the sky is the limit. No matter, what the theme you have in mind, there is a panel for you.

Getting a complete makeover done is a dream for every woman. Getting a complete makeover using Merle Norman cosmetics is an even bigger deal! A makeover experience with Merle Norman cosmetics adds a new dimension and a glow to one's sin. However, it makes sense when one knows the nitty-gritty about every product, learns its application, knows about the effect it has on one's skin and attempts to use it themselves. Using a product without information on how to use it or how well it suits the person's skin will just end up in the product sitting in one's drawer for ages. Listed below are a few make-up 101 tips and tricks using a few products from the stable of Merle Norman cosmetics.

Merle Norman Matte Lipstick: Matte shades have grown very popular over the years due to the non-shiny, subtle appearance that comes after their application. Use Merle Norman's age-defying Matte Lipstick and Lip color range to complete transform your lips, give them a fuller look and also help diminish the appearance of fine lines while providing full color coverage. One can apply it directly to lips or with a lip brush.

Merle Norman Anti-Aging Complex Eye Cream: Experts espouse using a separate moisturizer for the eyes, and it is extremely essential to do so. The skin surrounding the eyes is ten times thinner, lacks oil glad and it is sensitive. So, it is vital to use cosmetic specifically formed for the eye area. The importance and difference one will experience by using Merle Norman's luxurious hydrating anti-aging complex eye cream is astounding! Firstly, the anti-aging properties lessen the fine lines around the eye area. Secondly, what makes this product unique is the presence of glycoprotein, a marine ingredient found in the Antarctic sea. It offers moisturization for even the driest of skin textures, works on reducing wrinkles, and softens the skin. The key method is to use this product along with other anti-aging cosmetics that include triple peptide complex. It is clinically tested and experienced to deal with aging signs. The results are tremendous, with each peptide crafted to address different skin types, delivering smoothed, firm skin.

Merle Norman Matte Oil-Free Foundation: Perfect for all skin types, Merle Norman's amazing dual powder-and-foundation-in-one offers versatile coverage whether applied dry or wet. Its ultra-fine silky texture absorbs oil, leaving a flawless finish on one's face. One can use the fingertips, a sponge or a brush to apply this foundation lightly on the skin.

Merle Norman Blush Rouge: Merle Norman's Blush Rouge gives a rosy glow to your cheeks. The correct way to apply this wonderful blush is to pinch your cheeks to see what color you naturally flush and apply the product towards the front of the cheek, using your pupil as the starting point.

Appliances are part and parcel of every individual household. Some appliances like refrigerators, cooling and heating machines, water filters, washing machines, etc. have become an inherent part of everyday life of every family in the country, while some other appliances especially in a kitchen like dishwashers, cooktops, etc. are not so important as people have alternatives. Types of appliances Some of the appliances like refrigerators, air conditioners, televisions, washing machines, water purifiers, etc. need special installation, while some machines like vacuum cleaners, mixer grinders, toasters, hair dryers, etc. are portable and can be used instantly. Some appliances require lump sum investments and people normally choose one after much inspection. Again, there are small appliances like different mixer grinders, toasters, sandwich makers, pizza ovens, blenders, juice makers, electric hot plates, etc. that are frequently bought without much attention. These appliances are even found in multiple numbers in many households. Ongoing and future trends As per industry experts, with the passage of time, people will be more and more appliance-dependent. Most of the large appliances like refrigerators, air conditioners, microwave ovens, etc. will be smarter and lightweight. The small appliances will be very popular as people will try different appliances in this category and will also buy them frequently. Some ongoing and future trends in this sector are as follows:

• The manufacturers will concentrate on health and lifestyle aspects related to the appliances. Refrigerators are now designed to keep raw foods healthier for a pretty long time, while the washing machines are designed to deep cleanse easily.
• Different government regulations will keep manufacturers more environment conscious. Authorities are asking the manufacturers to invent products that will consume less water, and will emit less poisonous gasses into the air. Authorities are also making it mandatory to change the manufacturing processes to carbon and other poisonous gas emissions.
• A growing demand for built-in appliances is noticed over the last few years. As the standard of living of most people is getting better, households are planning to design built-in microwave ovens, refrigerators, air conditioners, etc.
• Product designs have been changing frequently. This trend will continue in the future too. People now like to experiment with new products. They like to use smart appliances. A growing trend in buying premium quality products has also been noticed.
• The internet-based appliances retailing has been increasing remarkably. This trend will stay in coming future. During the last five years, with the growth of mobile internet system, the average sales of such appliances has doubled.
• Appliances make a job less laborious, more accurate, and faster. With the advancement of technology, artificial intelligence and spectacular technological innovations in the manufacturing process, the ways people perceive these home and kitchen appliances have seen a change. As such, most of the appliances are becoming smart devices rather mere machines.

People love luxury cars since they are what they declare- luxurious. If we are so besotted with the normal luxury cars, what will we do if we ever come across the most expensive cars in the world? Everything about these cars radiates luxury and style, and of course, it does justice to the amount of money a person will be spending in buying it. The amazing exterior, the cozy interiors, the expensive add-ons, and everything right from the hood to the tires of the car indicate the precision with which each of these cars is crafted. Here's a list of the most expensive luxury cars that the world knows and these cars are their owners' pride.

• 2017 Rolls-Royce Ghost EWB Sedan- One of the oldest players in the automobile industry, Rolls-Royce knows how to blend vintage features with modernity, and the result is one of the most expensive luxury cars in the world. The 2017 Roll-Royce Ghost EWB Sedan is the most expensive luxury car in the world priced at $329, 325. The 4-door, 5-seater sedan is drop-dead gorgeous and radiates the elegance for which a person will willingly spend a fortune.
• 2017 Bentley Flying Spur W12 S- The 2017 Bentley Flying Spur W12 S is one of the most expensive luxury cars in the world at $244,600. The posh exterior and the amazing interior exudes royalty. In addition to being one of the most expensive cars in the world, it is hailed as one of the most functional cars as well. This means that it's not just the elegant exterior a person will be shelling out money for.
• 2017 Mercedes-Benz AMG S65 RWD Sedan- Mercedes-Benz has become synonymous with quality and the fact that all its cars are quite expensive. However, the luxury car that makes to the list of the most expensive luxury cars in the world is the 2017 Mercedes- Benz AMG S65 RWD Sedan. At $226,900, this luxury car is equipped with everything to make your drive a luxurious one.
• 2017 Aston Martin Rapide S Base- Priced at $206,000, the Aston Martin Rapide S Base makes it to the league of the most expensive luxury cars in the world. This 4-seat, 4-door sedan is every neighbor's envy and consists everything that has ensured its entry into the big league. Speed, style, and power are what personifies this luxury car.
• 2017 Maserati Quattroporte GTS GranSport RWD- This luxury car priced at $145,500 has made it to the list of the most expensive cars in the world. One look at this luxury car and you know exactly where the money is spent. The sleek exterior and the amazing interiors combined with the car's performance is what endeared itself to a majority of people.