If getting a better handle on your financial life tops your to-do list, well, you've come to the right place. After all, everyone wants to save more, get out of debt and aspire for bigger things like asking for that well-deserved raise. Here are some tips that will put you on the right path to better money management. Make the most of your 401k. That's right before you take that big step towards your career, make the most of your 401k. Leaving your money right where it is may make sense, but if you are ready to take the money with you after comparing on options at your future employer, consider a direct rollover to a traditional IRA. It can be done with one simple step and the help of a smart broker who will walk you through the entire process over the phone. • Set up automatic bill pay: Don't pay late payment penalty fever! Simply set up automatic bill pay. You can also request your bill collectors to change their due dates to match your pay cycle. This way, you'll always have enough in the bank to cover you. • Save for a rainy day: Dipping into your savings to bail yourself out is the last thing you would want to do. Learn to keep cash stashed in the cupboard for this purpose or you might just slip right back into debt. It would be wise to have an emergency fund to cover you for three to six months. Also, save to cover your annual deductibles like health and car insurance. • Don't dip into your retirement account: At all costs, funds in your retirement account should be your last resort. If you take money from that account before you hit 59, you are liable to pay a penalty of 10%. Plus, you're putting a dent in the money available to you later in life. It simply doesn't look good. Finally, follow these steps if you lose your wallet: - Call your debit card/credit card issuers and prevent unauthorized spending. If you fail to do so until after days and before 60 days, your liability might jump to $500 in event of fraudulent activity, especially in case old debit card misuse. - File a police complaint and set up a fraud alert or identity theft alert with one of these agencies Experian, Equifax, Transunion. - Call your health insurance company and inform them too, if your health insurance card was in your wallet. - But if your social security card was in it too, consider applying for a credit freeze so that no lasting damage is done.

Death and taxes are the two bitter truths of life. As such, it is incumbent upon each individual to strategize for a comfortable life for his loved ones in the post-death scenario. Estate planning is an effective way of doing so and achieving tangible gains. In this legal arrangement, you anticipate and arrange for a hassle-free management and disposition of the assets that are an outcome of your lifelong toil and vision. Additionally, it is instrumental in restricting taxes and liabilities that can take a toll of your savings. Here are the top four reasons why estate planning makes sense. Ensures your assets end up with intended beneficiaries Erstwhile a prerogative of elites, estate planning is the new norm. Nowadays, even individuals from a middle-class background are trending towards estate planning to ensure that their assets end up with the designated heir in a timely manner. In absence of any such initiative, it is up to the court to decide the person or persons who may inherit your assets. Moreover, the legal proceedings often take years, leaving behind a trail of disgruntled and beleaguered heirs. Even your surviving spouse will have a hard time proving her claim in the court. On the other hand, estate planning renders you the power to decide the fate of your property long after you depart from the scene. Provides for your immediate family As the sole breadwinner, you strive hard to provide for your immediate family. Seemingly, your untimely departure will get them into a state of emotional and financial mess. On the emotional front, the loss may be irrecoverable for your spouse and kids, but their financial misery can be addressed with an appropriate estate plan. You can ensure a stable income for your surviving spouse and facilitate kids' education and upbringing in the best possible ways. Also, you are in a position to designate personal guardians for the young ones in case your spouse expires. Secures health decisions Estate planning serves as a hedge against financial issues emanating from any physical or mental incapacity that you may have to contend with in the elderly days. Living wills, which are an integral part of estate planning, help you make decisions regarding life support, well in advance. Additionally, you can designate health care powers of attorney to a reliable person who may take key decisions regarding your treatment. Restrict expenses Expenses involved in the transfer of property can be significant enough to eat a major chunk of your savings. The expenses are more pronounced for properties exclusively owned by you. In fact, the parties involved in the process, including the executor and attorneys, will get remunerations from savings that your heirs are supposed to inherit. Here too, estate planning comes in handy. With a proper estate plan, you can minimize expenses and pass on the savings to the rightful heir.

Home appliances are a boon to those who find it difficult to complete their chores in time and are under severe time restrictions. One of the most tedious tasks that refuse to get done is the laundry. Washers are a great option for washing our laundry and doesn't require you to put in a lot of efforts. And, dryers cut down your time for drying washed clothes considerably. There are two kinds of dryers available in the market - gas dryers and electric dryers. A gas dryer requires a gas burner that helps in generating the heat for drying the clothes. While the cost of buying a gas dryer, installing them, and the other necessary plumbing changes may cost more than that of the electric dryer, the maintenance cost of running it is only half of what you would spend on an electric dryer. A gas dryer is ideal for those looking for dryers that do not have a high maintenance cost in the long run. While the gas dryers are more expensive than the electric ones, you can still avail these at reasonable prices. Best Buy has a lot of online and in-store offers for gas dryers where you can get the best deals on washer and dryer. Here are some of the best gas dryers available at Best Buy for less than USD 750. Whirlpool WGD4815EW 7.0 Cu. Ft. Gas Dryer Get the best deal in the washer/dryer category with this gas dryer that is priced at USD 449.99 at Best Buy. The dryer has a great capacity and can handle large volumes of clothes for drying. The dryer comes with the Wrinkle Shield technology that leaves no wrinkles on your clothes after drying, helping you save time on ironing. There are 14 drying cycle options available and one can choose from four temperature settings for drying different kinds of clothes. This dryer is a power efficient one; it has an automatic drying system that detects the moisture in the clothes and adjusts the drying cycle time to the moisture levels. One of the amazing convenience features of the dryer is its reversible door design that allows for the hinges to be switched to any side. Samsung DVG50M7450W 7.4 Cu. Ft with Steam Yet another best deal in washer/dryer category that you shouldn’t miss is this Samsung gas dryer that is available for an attractive price of USD 649.99. The dryer comes with multi-steam technology that helps keep the wrinkles away when the clothes are done drying. The dryer is very power efficient as it also has the EcoDry cycle that uses up to 25 percent less energy. Apart from these two amazing features, the dryer also has moisture sensors that help dry clothes without over-drying and damaging them. The dryer’s Smart Care app lets you control your dryer from your smartphone. Amana NGD4655EW 6.5 Cu. Ft. Gas Dryer Amana also has the best deal in washer dryer category with the Amana NGD4655EW gas dryer that is priced at USD 399.99. The dryer has a capacity of 6.5 cubic feet that can take care of drying large loads of clothes. The dryer offers 11 drying options which include air dry, damp dry, and the wrinkle-prevent cycle. The dryer has a rear panel control and is very user-friendly. When it comes to the maintenance, it wins all points with its powder coated interior that is durable and can be cleaned with a few wipes. It also has an automatic dryness control that automatically sets the drying cycle and temperature according to the moisture in the clothes. You can get the best deal in the washer dryer category at Best Buy for washers and dryers of many other brands as well. Research well about the make and model you like before buying to make sure you make an informed choice.

The RV(recreational vehicle) is usually used as a mobile home by people who do not want to restrain themselves by settling somewhere in particular. Hence, they try to ensure that they have all the basic amenities of the kitchen and home furniture on board. Further, many people also prefer to travel around in these vehicles, because not only can they travel in these vehicles but also stay in comfort with the help of RV furniture fitted perfectly inside the vehicle. This helps them to travel without wasting money on hotels.

What is RV furniture used for?

To start with, RV furniture serves the purpose of basic amenities that one needs while traveling and living on board. When you are traveling and need to eat, it might be difficult to find shops on the highways and it is not advised to eat out every day, hence, the kitchen does the work where you can cook food for yourself and enjoy it hot and fresh. The toilet on board saves you both time and money. RV furniture also provides you with the necessary comfort as traveling for days might be tiring and monotonous and if you don’t have sofas and beds on board, it can be difficult to rest and rejuvenate.

Types of RV furniture

There are many types of RV furniture serving different purposes. There is furniture supporting kitchen related services, bedroom, and even washroom. Here are some of the most of the important RV furniture that one needs to have fitted into their recreational vehicle.

RV tables

Since there is no room for tables for different purposes; a single RV table serves many. It can be used for studying, eating, working and other activities. Hence, one needs to make sure that the table they are buying as a part of RV furniture allows for multitasking and is big enough for being functional.

RV sofa

Who doesn’t want a sofa in their vehicle? Well, in an RV, the sofa fits in perfectly giving you a luxurious place to relax and sleep while traveling. It can be your reading spot or a place where you carry out conversations with people. RV sofas are really comfortable and hence preferred by many. You can also buy a convertible sofa that turns into a bed after folding. You can also buy benches that have storage underneath which are a great space saver.

RV captain chair

The one who is driving the vehicle needs to feel special because of their effort. Hence, RV captain chairs give them the feeling of being in charge. Also, it is the epitome of comfort with layers of padding and smooth cover to ensure that you are relaxed throughout while traveling. Some of them can also recline making it further comfortable for the drivers.

RV beds or pullovers

Some of the sofas coming in the RV furniture segment are pullover beds making it easier to save space while not compromising on comfort. There are beds also available fitting the size of the RV to ensure that you have space to move around. Further, there are various other types of furniture which serve different areas like kitchen and washroom.

How to choose the right furniture?

One thing you all should know is that RV furniture is not permanent; you can replace it anytime you want with newer versions which you prefer. Sometimes, you do not need to buy everything new, you can remodel the existing furniture inside the RV. Factors like space and utility come into play while designing the interior of the RV. Contact the seller and see if exchange offers can be availed. Further, keeping in mind the size and needs of your RV is a prime factor in choosing the furniture to provide comfort!

LG is one of the leading brands of home appliances in the country. There are some home appliances that you absolutely cannot do without. One of those includes the LG washer and dryer. Owning one that is efficient can make your life a lot easier and ensure flawless clothes with minimum fuss. The washer and dryer combo is a popular one as it can save your time and get the job done quickly. Selecting one from a brand that is reliable will help you when you need it the most. You won’t have to worry about it ruining your clothes or stop working out of the blue. With service centers in every city, you can be assured that you have made a long-term investment.

Important configurations to check when choosing LG washer and dryer

Before you invest in a washer and dryer, you need to decide on the features and specifications. By staying clear on what you expect of your washer and dryer combination, you can save a lot of money and find the perfect deal for yourself. You can decide if you want to get a washer and dryer as a set or get them separately. Either of the options will give you many choices.

Capacity

You need to first see how much space you have for the washer and dryer. There are compact models that can be fit into any cramped space. If you have less space, then a washer-dryer in a single unit is the best way to go about it. However, if you have a higher load of clothes, then you would need to go for one with a large capacity. You can get one with a capacity lesser of than 4 cubic feet or more. You can even filter out the one you need based on the width, height, and depth. You can even measure the space you have and pick the washer and dryer accordingly.

Steam

Some prefer their clothes getting washed with steam in the mixture. Steam has a cleansing effect on clothes that is just not the same as with water. However, if you opt for LG washer and dryer with steam, the prices can get steeper depending on the model. You also have no steam as an option.

Other features

There are dozens of features you can find in LG washer and dryer. These include advanced vibration control, control lock, end-of-cycle signal, interior light, and water heater among many others. You can delay the start and even control the temperature of the washer and dryer. The LG washer and dryer come with the top or front load option. You can go for the one that you are more comfortable with. Advanced features include a monitor sensor. These features will ensure that your clothes are fresh and as good as new.

Color and finish

You can go for washers and dryers that match your home decor. You have many options in selecting the metal and color you want to go for. The most popular of them is the stainless steel one. Metallic carbon is also one of the popular choices. Apart from that, you have red, black, and silver. The latest of the LG washer and dryer come in some very exciting colors. If you want to go for one with eco features, there are LG washers and dryers that even come with that choice. You can get one with high energy ratings to save electricity. There also high-efficiency dryers that are available in the market. You can expect no troubles with this option. Washers and dryers are essential for every household. Investing in one of a good quality can be beneficial to you in the long run. LG washer and dryers offer excellent quality and the brand is known for their good customer service. They come with products with the latest technology and affordable prices. You can invest in one without hesitation and use it for years together.

While all-inclusive vacation packages are famous in the Caribbean and Mexico, they are catching up in our country as well. Many resorts out there are vying for your attention. With attractive locales and pricing, we have narrowed down some of the best resorts that you can visit. Listed below are some destinations that offer all-inclusive vacation packages.

• Travassa Hana, Maui The Travassa Hana, tucked away in the remote east coast, is perfect for travelers who want to get away from the monotony and bustle of everyday life. The resort overlooks Hana Bay, and it has stylish rooms that are large and airy. The all-inclusive vacation package offers three meals a day with snacks and beverages. The resort also has acres and acres of space along with great food and a heavenly spa. All guests are given a $175 credit every day, which can be used to get spa treatments or attend other private classes.
• Woodloch Pines Resort, Poconos, PA The Woodloch Pines is known for its fabulous outdoor activities and all-inclusive vacation packages. While other similar resorts in the Poconos only allow adults, this property is open to the entire family. You can take your kids out for hiking, go-karting, sledding, and even sailing. This family-owned resort has sprawling houses opposite a lake as well as motel sized rooms. So, everyone is sure to find something they'll like. The meals are a part of the package deal, and the dinners in the dining room will make you and your family feel at home.
• Blackberry Farm, Walland, Tennessee This luxury estate in the Great Smoky Mountains leaves all its guests spellbound, and it features on many lists of the top 10 vacation packages. The 4200 acres of land is a paradise for you if you enjoy the serenity of nature. There are cottages as well as rooms, and both choices are quite luxurious. The outdoor activities and food straight from the farm enhance your overall experience at this resort. Though it is slightly expensive, you're sure to make some incredible memories here with your loved ones.
• White Stallion Ranch, Tucson, Arizona The western-themed rooms and décor at this place will take you back to the old days where gun-toting cowboys rode horses in the wild, wild west. This resort has some outdoor activities like rock climbing, rodeo, and horseback riding. You will have an experience of a lifetime with your loved ones at this destination.