Home

Category: Top Five

  • Search the Best Payroll and HR Software

    Search the Best Payroll and HR Software

    Software that helps to optimize your payroll might sound like a dry subject, but when you see how much time it can save you, you’ll perk up. It might sound difficult to figure out which is the best though: it’s not easy to experiment and try out different software. Not to mention, there are so many great options out there? Which payroll software is the best?

    We’re breaking down some of the best payroll software on the market to help you figure out which one will be right for your business.

    Which is the Best Payroll Software?

    ADP

    The go-to payroll software for most businesses is, of course, ADP. Originally known as Automatic Data Processing, this company got their start in the 1950’s and has grown to be the biggest payroll company in the world. This is no mistake: ADP’s software is top-notch and will greatly help to maximize your time. One out of six businesses use ADP, so it’s likely to be a great choice for your business.

    ADP Run is a software package that is ideal for small businesses with 50 or less employees. This software uses cloud storage to keep your information safely backed-up, and it also does a number of processes in the background to keep you from having to keep up with them. Processes like payroll deductions, tax calculations and even direct deposit can all be handled through ADP Run.

    There is a bit of downside: the software isn’t cheap. This software suite will run you twice what a service like Gusto would. The software price is highly variable, as well, depending on the size of your business and how often payroll is run.

    Gusto

    Speaking of Gusto, this software is highly user-friendly and can be learned easily. Small businesses love the Gusto software package, as it has great customer service and includes tax support and HR in the software.

    Those who want a simple payroll platform would be pleased to know that Gusto can run automatic payroll as well as managing both onboarding for new employees and benefits management. The onboarding in particular is a huge time-saver for a small business, as it allows your new employees to enter their own info and keep your records up-to-date.

    If you’re really not keen on keeping up with payroll yourself, you can actually set it up to run on a programmed schedule. If you want, the Gusto software package can run automatic payroll at set intervals. On top of that, workers’ comp, retirement plans and tuition savings plans can all be set up through Gusto.

    This affordable software package comes in at a solid $39 a month for their basic package, plus $6 per employee on the payroll. This, paired with Gusto’s super simple user-interface, makes it a great software suite for any small business.

    Sage

    Sage’s software suite is offered in two forms: an Essential Plan for companies with 10 or less employees, and a Full-Service Plan for companies with more than 10. The Sage software can be run via either cloud processing or on site. The functions are rather deep and accessible, and the ability to run multiple reports helps you see what minor adjustments change.

    The Essential Plan is great for very small companies, as data can even be entered via your smartphone. Then, payroll is quite simple. Employees can be paid out via direct deposit or prepaid debit cards, or just through old-fashioned checks. Taxes can also be calculated and deducted straight from the software with the Essential Plan.

    The Full-Service Plan offers everything you get with the Essential Plan as well as many functions better-suited to larger businesses. Additionally, Sage will set up the Full-Service Plan software for you once you purchase it and walk you through how to use it.

    The software isn’t terribly expensive, either, coming in at $50 per employee per month. This is markedly lower than ADP. It is, however, a good bit pricier than Gusto, making it a bit of a step between the two services. Sage does have a leg up over Gusto, though, in that it offers full QuickBooks integration. There is also a full online chat-support for customers, so you’ll never be lost without any help.


  • Best ATV Destinations in America

    Best ATV Destinations in America

    All-terrain vehicles (ATVs) provide a massive amount of enjoyment for people of all ages. Make sure you have insurance before you hit the trail!

    There are some places to take out your quad that are more exciting than others. Fortunately, some of the best ATV destinations are likely right around the corner from where you might live. If you have a free weekend, you can’t miss out on these hot spots.

    Best ATV Destinations:

    Badlands Off Road Park: This Indiana park has sand dunes, mud holes, rocks fields and more. The terrain spreads out for over 800 acres.

    Hatfield-McCoy Trail System: This ATV destination is open year-round. There are 600 miles of trails that are professionally managed. It’s also referred to as “Trail Heaven.”

    Ridge Outdoor Adventure Park: Located in Alabama, this park offers off-road fun for ATVs, motorcycles, OHVs and more. There are 35 miles of trails along with motocross courses and kids’ areas.

    Brimstone Recreation Park: With nearly 20,000 acres of land, the Brimstone Recreation Park offers more than 300 Appalachian trails as ATV destinations.

    Check These ATV Hot Spots off Your Bucket List!

    From serene state parks to rugged rock crawling, the best ATV destinations come in many forms. Answer the call of these popular trails, and you will experience an adventure that will cause jealous stares from your friends for years to come.

     


  • Review: Ready to Switch up Your Mobile Phone Plan?

    Review: Ready to Switch up Your Mobile Phone Plan?

    It is never too soon to think about switching up your mobile data plan. Most carriers update their plans frequently, and the chances are high that you are not getting as much value as you should be from your current plan. Most customers ‘set it and forget it’, when they could be paying less AND getting more value from their service.
     
    Make sure your plan is optimized to your usage habits and data needs. Check out some of the current carriers, plans and features below:

    Overview:

    1. Verizon consistently offers the most reliable coverage out of all the wireless providers.
      • Verizon Get More Unlimited: Best unlimited plan—$90/month
      • Verizon Do More Unlimited: Best coverage phone plan—$80/month
    2. Visible Wireless has made a big play in the prepaid wireless space with unlimited plan that costs $40 a month. Large discounts are also available when additional lines are added to a family plan.
      • Visible Wireless: Best prepaid plan—$40/month
      • Visible Wireless: Best family plan—$100/month for 4 lines
    3. Metro by T-Mobile currently offers the best value for family prepaid plans.
      • Metro by T-Mobile $50 Unlimited Plan: Best prepaid family plan—$90/month for 3 lines


    Summary: 

    Best overall mobile plan: The Verizon Do More Unlimited plan offers everything. With amazing coverage, speed plus HD streaming and 22 GB of 4G LTE data each month, it was an easy pick for best mobile phone plan overall.

    Best prepaid plan: When it comes to prepaid- Visible wireless offers unlimited features and services on the best network for $40 a month. All of it combines for great value. However, be mindful of data slowing down over time, which has been reported by some users.

    Best prepaid family plan:  You will spend $50 a month if you choose Metro by T-Mobile unlimited plan. However, your costs are reduced to $30 a month for every additional line you add. The more people you have in your family- the better the savings.

    Best family plan:  Visible wireless is great for family plans because of the large discount when multiple lines are added. You cost can be reduced to $25 a line for unlimited data with enough people on the plan

    Best unlimited plan: The Verizon Get More unlimited plan offers 75 GB of data and comes with 5G data access and HD streaming. It’s expensive, but you get what you pay for.

    So when was the last time you reviewed your plan and usage to ensure you’re getting the best value? There’s no time like the present~ Check into it!

     


  • Roadside Assistance- Why You Should Invest

    Roadside Assistance- Why You Should Invest

    As a single female, my parents always instilled in me the value of roadside assistance. Every year I would have a mishap. I wasn’t the type of person that liked to bother friends or family. I didn’t have a partner, so I just found ways to get my needs met. Some of this involved learning about the various roadside assistance programs and signing up for one. On the way, I learned a lot about what these programs offer a person. I would definitely recommend having one in place because you are bound to need it this year. With people flocking to the roads instead of risking it on planes, you are bound to get some extra miles on your car. The chances that you will have an incident like a flat tire also are excelled. In the following article, we will look at the various programs out there so that you can make an informed decision.

    AAA:

    Triple A is a standard staple when it comes to roadside assistance. They operate throughout North America. It is a non-profit that takes their mission to help seriously. So seriously I find that even when I’ve had a flat tire, the first thing I do is call. They will change the tire for you or just tow you to a safe location. You should give them a detailed explanation of what is wrong when you are on the road.

    When you call AAA, they will ask you if you are a member. If you are not a member, they will offer to sign you up on the spot and then will take care of your needs for the day. The sign up process doesn’t take too long, but you will have to have a wallet full of your details. If you don’t have all of your information with you, they will try to be flexible with what you have. AAA will then ask you if you are in a safe location or not. This typically means are you stranded at home versus on a busy freeway. They will offer you priority service if it is an emergency. You know that waiting at home can be a lot more pleasant. However, if you need to get to work quickly and are at home, make sure you advocate for yourself. This could mean the difference between waiting a half hour as opposed to a few hours. AAA has a great way of prioritizing. I’ve been stranded on really cold days and they come quickly. They are friendly on the phone and cheerful helpers. I have never had an experience with one person where I feel like complaining afterwards. These are customer service orientated professionals and it really shows in the way they treat you. If customer service really is a priority for you, then I recommend this service. With AAA, you can also upgrade to one of their better programs. Some of the perks will include longer tows that are free. If you want to be towed across a city or even when you are in a nearby town to the city, then you should go with the Gold Card. This will be a little bit more per month but is worth it. Some of the service providers are so nice that they will let you upgrade at the time of your emergency, however, this is not a given. It really will be luck of the draw when it comes to what you get. Another nice perk that they have added is checking your car out to make sure that you are winterized and your fluids and battery are in good working order. You can call them and schedule an appointment just to do this. I recommend that you call them when you are at home off work. You might just get a same day appointment. If you get this done, then you can expect to have one less emergency on your hands such as your battery suddenly dying. They are knowledgable, so they will get you up to speed on what you need done in order to get your vehicle up to snuff.

    Onstar:

    Onstar is another company that you may have seen advertised on the radio or TV. They have a heavy handed advertising campaign, so it is likely that you have at least heard of them. Onstar is a subsidiary of General Motors. They provide service all over North America as well as other countries such as China, Europe, Brazil, and Argentina. As you can tell, they have quite a far reach. They will offer other services as well, but one of their offerings is emergency services. You will have to have their audio interface in your vehicle to call them. If you’ve had a major emergency, then their sensors will automatically contact the Onstar call center. This can be nice when you’re in a collision because you are not scrambling for a phone number. On the other hand, if you wanted to handle anything with a cash payment, then it can be harder to keep the collision off of public records.

    The services for Onstar can really rack up. If you are on a tight budget, then the $20 just for emergency services can be expensive. This can add up to $240 a year. If you compare this to AAA, this is what you will have to pay on a Gold Plan. However, some people like the fact that there is more SMART technology with Onstar. They can often just locate you without you having to tell them where you are. This can help if you just want quick help with not a lot of questions. Additionally, your car can have free Onstar for the first five to ten years, so if you get used to the Onstar system, then you will probably not want to switch it out. With that said, all of the bundles for Onstar are $90 a month, so they probably want you to get used to hands free calling and everything that they have to offer. The plan is offered through cell phone companies, but it is really just a security, emergency services, and 30 hands free calls per month for your car plan. This means you shouldn’t get used to those hands free calls because if you do more than one a day, the charges can really rack up.

    Aside from the costs, Onstar is a level of comfort that you can only get with Smart features. You know that you will be protected with the Onstar system. You don’t even need to worry about using your phone when you need emergency calling. You really have a phone built into your car. It senses when you have a problem and will send help. However, if you let your battery die or have another problem, then you should have the Onstar number in your phone. You cannot call from your car if all systems are down.

    Onstar is a swanky service that also is friendly. They pride themselves on being able to be there for you right away and taking a proactive approach to your safety and well-being in the car. People who love technology and want more Smart features in their lives will go for the Onstar approach. You can just sign up for the emergency plan and not worry about the other Onstar services if you are on a budget. It is relatively in line with AAA.

    Goodsam:

    The Goodsam Club is geared towards RV adventurers. There are a lot more of them on the road now too thanks to COVID-19. The RV vacation has surged in popularity as you are really in your own bubble in terms of air. You even get your own bathroom if you are willing to pump out the waste. The Goodsam club is ready to offer roadside assistance. The club already has 2.185 members to speak of. This means they already have quite a reach and a proven track record.

    However, just because they offer RV plans, doesn’t mean they don’t have something for cars. While the automobile plans usually cost $100, now they are going for $50 in a huge sale. This means it’s a great time to sign up if you are looking for any affordable auto plan. The costs at this rate really cannot be beaten. However, if you already have a Goodsam membership, then unfortunately, you are not eligible for this deal. If you really look at the above options that we’ve covered, Goodsam is the best price by far. Even when you go with AAA, you will still pay over $100 per year. Also, right now the sale is $55 for coverage of your sport trailer as well. This is a novel option for people that travel with these. If you purchase the platinum package for $90 right now, you will also get emergency medical coverage. This is important for people that travel to other countries. If you are in America, you probably will like having emergency medical coverage if you don’t have medical coverage through work. In this case, at least you know that if you get in a car accident, your medical expenses will be covered.

    With this plan, like the others above, you will get 24/7 assistance. This is of course important because you absolutely need the 24/7 coverage or what is the point? Being stranded in the middle of the night in a car is even more dangerous than during the day. The plan also offers loyalty features. If you use auto-renew, then you will get a $10 discount. This is a great hidden feature that can inspire you to just keep your safety assistance rolling for the next year.

    One of the best parts of the basic plan is that they will cover all of your towing costs. They say that whether it is five miles or 500 miles, that they have you covered. What could be better than being in another state and still having your towing covered? I personally think that if you want to capitalize on the Goodsam sale, that this is the best plan to go with. If you go with AAA, you will have to buy a Gold plan, and even then, they have a cap on how far you can get a tow. The Onstar plan will charge you $20 a month just to get roadside assistance.

    It’s easy to see why the Goodsam family is growing fast. They are in touch with the times and they are offering discounts during COVID-19. This is a time when many people are unsure of everything. They don’t necessarily want to spend on extra expenses, but they still know they should get certain help such as roadside assistance for emergencies. It’s an important part of feeling secure when you travel anywhere in these difficult times.

    Summary

    All of the Roadside Assistance providers offer different perks. I have tried to highlight the little known details that make each provider so special. This can help you make a more informed decision as well as know how each plan differs from the next one. It can be hard when you see a barrage of information and advertising to know what to choose. We’re all on a time crunch and it seems working at home due to COVID has only made us busier.

    You will be in good hands with any of the providers. I made my choice for a recommendation based on economics and how I see a new member to roadside assistance being the best served in this time. However, I do recommend all three of these services as they all have advantages. AAA is the most well-established service, so if you want to go with proven quality, then you can’t go wrong. However, I was surprised by Goodsam and so it is more choice to recommend it for new members.

    Happy Motoring 🚗  🚘  🚙


  • Anti-Aging Creams: Staff Picks

    Anti-Aging Creams: Staff Picks

    As you age, taking care of your skin is very important. We have put together a guide for quick and reliable solutions of anti-aging creams for senior women. We evaluated the creams below on the following criteria:

    -Moisturizing ability
    Your anti-wrinkle cream should have moisturizing properties that will help to ensure your skin looks young and energetic.

    -Composition
    The composition of the cream is very crucial in either damaging or healing the body. Therefore, you should make a thorough assessment of the cream you buy to ensure that it is not reactive to your skin and has positive outcomes.

    -Effectiveness of the cream
    Your cream should deliver a positive outcome within the shortest time possible.

    Our staff picks are below:

    1. GloxiniaLife by Dr.Calle Radiant-C cream

    This product proves to be the best for eradicating wrinkles, acne, and other skin challenges.
    It has vitamin C that ensures your eyes and face look rejuvenated. It has exfoliation and lightening features that will make you look energized and more active.

    The cream makes a perfect choice because of its excellent medical grade. Therefore, it lowers the aging rate by eradicating the most common signs of aging on your skin.
    It will improve the fine lines while working on the wrinkles on your skin. The presence of collagen in the product ensures your skin is stimulated and tighter.

    Enjoy the use of the cream to make your skin look brighter with an excellent eradication of spots. You will specifically be amazed by how the appearance of your skin gets improved day by day. Your skin looks young; redness diminishes; the skin tone becomes better and more apparent.
    If you are suffering from sunburns or dark spots, this cream is for you. The anti-aging moisturizer for senior women has a positive impact on making you look young and productive.
    Pros
    • Excellent skincare
    • Comfortable with your skin
    • Skin brightening properties
    • Perfect for removal of acne and dark spots
    • It makes the skin look young.
    Cons
    • It may be irritating to some people.
    Get the product-here

    2. Amorepacific time response skin cream and face moisturizer

    Amorepacific cream,  touts that your skin has the guarantee of looking lovely for more extended periods.
    It has a combination of many products such as shear, oils, sunflower, vitamin C, and many others. The outcomes of using the cream are perfect in that they make your skin look rejuvenated and limit breakouts and acne.

    The application of the cream is recommended for use in the morning and at night daily. It has a lower reaction and has ingredients that rarely damage your skin.
    Pros
    • Perfect ingredients composition
    • Very comfortable to use
    • Excellent skincare
    • Quite affordable
    • Skin cleaning
    Cons
    • May have effects on some people who may have specific allergies.
    Get the product- here

    3.Osmotics blue copper five prime face anti-aging face cream

    The cream contains ager-tackles that are specific to aging skin, of 40+. It is, however, more useful to older ages of beyond 55. It includes a formula that offers triple strength to your skin, making it more moisturized.
    The benefits and outcomes of using the skin are visible due to its effectiveness.
    Pros
    • Excellent for removal of acne and dark spots
    • Comfortable to use
    • Very effective
    • Removes signs of stress and fatigue

    Cons
    • Maybe reactive to young skins
    Get the product here.

    4.Onsen Wrinkle Repair Face Cream

    Does your skin need repairs? The cream has a dermatologist recommendation that makes it healthy and perfect for use. It quickly boosts your skin, making it more lively and colorful.

    This cream is safe because of its friendly composition. It is a great choice for all skin types.
    Pros
    • Lovely cream quality and composition
    • Easy and comfortable to use
    • Excellent skin hydration
    • Perfect for most skins
    • Relaxed sleep on application
    Cons
    • Not convenient for use during the day
    Get the product here

    5.Oxygen Ceuticals-Antioxidant cream, anti-aging face moisturizer for day and night

    Pros
    • Ease of use
    • Skin-friendliness
    • Has natural ingredients
    • Makes the skin look young
    • Makes the skin look firm and elastic
    Cons
    • May be harmful when used in excess.
    Get the product here

    Exo Facial Skincare bio digital perfection face moisturizer

    Enjoy a brighter tone of your skin on the application of the cream. The lotion works perfectly to improve your skin tone and texture on the first application. You will therefore have a glowing skin with a youthful look every day.
    Pros
    • Perfect skin nourishment
    • Comfortable to use
    • Lovely glowing skin
    • Perfect skin rejuvenation
    Cons
    • Not ideal for all skins
    Get the product here.

     


  • Car Insurance: Quote Consideration Factors

    Car Insurance: Quote Consideration Factors

    How do you know if you found the right car insurance company and are getting the best quote ?

    Before you make a decision on which company to buy car insurance with, you should be aware of the factors the insurance companies consider when they give you a quote:

    The Devil is in the details:

    There are over 600 car insurance companies across the country. Factors including what you drive, how you drive, your credit score and where you live are all factored into your quote. Here are some of the biggest considerations:

    1. Your Age: If you’re still in your teens, bad news- you’re going to have the most expensive car insurance in every state. Once you have a few years of driving experience- premiums typically go down.
    2. Your Gender: Women tend to pay cheaper insurance rates versus men. The reason? Research has found that men are more likely to speed, not wear seatbelts, cause accidents and drive under the influence.
    3. Owning vs. Renting: Individuals who rent can pay as much as 40% more for their car insurance versus those who own their property.
    4. Your Marital Status: If you’re single, chances are good that your rates will be higher versus those that are married. Statistics show that married couples are involved in fewer car accidents versus those that are single.
    5. What you Drive: The make and model of your car 🚗 weigh heavily for insurance premium considerations. Different cars have different probability for theft, accidents and associated claims.
    6. Your Record: Your driving record is a big deal when it comes to insurance. Incidents of speeding, DUIs, and previous accidents are very important to the company that ends up insuring you. Small violations can lead to be increases in your insurance.

    If you have moved recently, you should be aware of the cheapest and most expensive states for auto insurance:

    Top 5 most expensive states for car insurance

    1. Michigan
    2. Florida
    3. Lousiana
    4. Rhode Island
    5. New Jersey

    Top 5 least expensive states for car insurance

    1. South Dakota
    2. Wyoming
    3. Iowa
    4. Alaska
    5. North Dakota

     

    Related Posts

    How to Reduce Your Car Insurance Rates for 2021

    Posted: January 19, 2021

    Even if you’re not driving as much anymore, you are required to have car insurance. There are many options out there for the price conscious consumer. Today we’re taking a look at some of the best car insurance companies for the money in 2020. We’re looking at a combination of factors when deciding on the […]

    Searching to Buy a MiniVan?

    Posted: November 1, 2020

    Fall is here, and many car dealerships are pushing sales. With this in mind, our guides have picked out a few of the best 2020 minivans on the market for you and your family to hit the road in style and comfort. Check out our review below: Honda Odyssey Three rows of comfortable seating for […]

    Great Deals on Luxury SUVs: 2020 Review

    Posted: September 5, 2020

    Our lives have been deeply impacted and overwhelmed by COVID-19, also known as the Coronavirus. Restaurants, bars, movie theaters, and thousands of other businesses have been affected. So, what is going on with car dealerships and what are the best car deals? 2020 Audi A4 Audi virtual cockpit For 2020, Audi focused on improving everything […]


  • Where Should you Retire?

    Where Should you Retire?

    Deciding where you should retire is always a top concern for many seniors. It may be something you start to consider early on in your life. If you don’t plan to live in your current city or state, you may need to start planning early and consider where your hard-earned dollars, and that retirement plan, will last the longest.

    The United States has many great places to call home that are especially nice for senior citizens. Some of the best places to consider:

    Virginia

    In the first place, you should look for the best senior independent living in the great state of Virginia. Virginia has many of the features that you need to live a great life as a retiree. First, it is tax-friendly for all retirees. Since the tax rate, you fall in will greatly determine how long your retirement lasts, this is a good thing. In this state, all Social Security income will not be taxed, along with all earned income less than $12,000. The property tax rate is only 1% and the maximum sales tax is 6%. You can purchase groceries with only 2.5% tax too.

    Virginia also has communities for every level of income. While the average cost of living here is 9.4% above the national average, if you live outside of the cities, you can get a much more affordable rate. There are plenty of nice areas, including Roanoke and Richmond, that is much better to live in without the high price.

    Medical care is very easy to access in this state. Even though Virginia is not as large as many other states, it can boast 89 premier hospitals, making it one of the best places for your medical care. There is an astounding 127 primary care physicians for every 10,000 residents, which is higher than any other state.

    The main drawback is the weather during the winter. Virginia is generally really nice, with the beautiful Appalachian Mountains to enjoy and look at any time, and plenty of great forestry and scenery to help you keep moving and getting stuff done during the day. But thanks to the mountains, the winters can get a little snowy and cold.

    Nebraska

    Nebraska is another place to look when you are considering where you should retire. This state may not be the first one on your list when you start, but it will provide you with a lot of great features. First, it has the affordability you need. Nearly 3000 retirement-aged adults moved to Nebraska in 2017. While this is lower than other states like Florida and Arizona, the cost of living in Nebraska is much lower, making it an appealing choice. While this state doesn’t exempt your Social Security benefits, it does have lower costs in other places, such as lower home prices and lower state tax.

    Nebraska also has some great medical facilities you are sure to enjoy. Residents in this state get some great health care networks, including Nebraska Medicine in the Omaha area and Bryan Health in the Lincoln area. There are many other great hospitals and care centers throughout the states to keep you healthy.

    The weather is pretty mild most of the year in Nebraska. And there is a lot of history to explore along with beautiful trails, nature, and more. The winters can get a little bit colder here and may be severe enough to drive a few seniors away. However, most of the year is nice and the winter storms are nowhere near as bad as some of the locations up north.

    Florida

    Florida is one of the top places to retire for seniors. It has pretty much everything that you would want in your retirement, from no taxes to great weather and some of the best health care systems in the country. The first thing that draws retirees here is the nice weather. Florida has gorgeous weather all year long. While you may have to deal with some rain many days of the year, it doesn’t last for long and then you get the sun back to help you enjoy the day.

    The taxes are also appealing. Florida has low taxes, including no state income tax, no estate tax, and no inheritance tax. This is a big deal when you are retiring and on a fixed income. This helps to stretch your money even further. Florida also has a lower cost of living compared to other states. It is cheaper to get a nice home and get the medical attention that you need, Plus, there are a ton of attractions and things to see and do right in your backyard so traveling is not as expensive.

    Healthcare is also great here. Since so many retirees head south when they are ready to take a break from work, there are plenty of options for finding the right medical professionals for you. There is the Mayo Clinic in Jacksonville, the Florida Hospital in Orlando, and the Moffit Cancer Center in Tampa so you are sure to find the medical attention you need.

    This state also has a wide range of adult active communities. If you would like to keep busy and meet others, there are a lot of options out there. All of the Active Adult Communities also have services and amenities that are sure to attract your attention. Getting some of the socialization you need and all that good sunshine will help you to stay healthy and happy in retirement.

    Arizona

    If you want a fun place to retire with a lot of great outdoor activities, then Arizona may be the place for you. It has the Grand Canyon along with many other historical locations that will get you up and moving all day long. Learn a little bit of history to keep the mind sharp, while having fun being active at the same time.

    The Weather in Arizona is also amazing. The winter temperatures found in this state are like the summer temperatures found in the southeast, but you won’t have to worry about the humidity. The rainfall will vary based on where you live with up to 30 inches a year in the mountains, but less than three in the dessert. Most cities will enjoy more than 250 days of sun each year so this is perfect if you want something that will keep you happy all year long.

    The taxes are also affordable here, which is important while you are on a fixed income. Arizona does not tax your social security income so that will help stretch your money a little further. In addition, there are no estate taxes, gift taxes, or inheritance taxes and the state tax is nice and low as well.

    Thanks to the great weather and low taxes, many retirees are going to Arizona to help them live a good life. This also means that there are plenty of amazing doctors and hospitals to love too. Medical facilities are found throughout the state, with some of the best in the country found in Pheonix. You are sure to find all the medical attention and the best doctors for all your needs.

    Finding a good place to retire is so important. You have spent a lot of your time saving and preparing so you can enjoy the later years of your life. You want to pick a comfortable place, doesn’t cost too much, has nice weather, will give you plenty to do and has some good medical facilities to help you when you get sick. Virginia, Nebraska, Florida, and Arizona are some of the best places to retire in the United States and are options you should check out while planning your retirement.

    Related Posts

    Review: Medical Alert Systems

    Posted: January 27, 2021

    If you have been looking into buying a medical alert system, our team has put together a quick review on the leading options: How Medical Alert Systems work: Nearly all medical alert systems for seniors have a button that can be pushed if they are experiencing a medical emergency, fall or otherwise. The emergency button […]

    Searching for the Best Hearing Aids?

    Posted: November 16, 2020

    When you can’t hear, it’s miserable. Don’t let that loss dictate your life and lifestyle! Try out some of the top hearing aids and see how new technology can help you get back into the conversation! The 3 Best Brands Accolades Best Overall Best Design Best Connectivity Bluetooth Yes Yes Yes Phone Compatibility Yes Yes […]

    0 comments

    Best States for Senior Independent Living

    Posted: September 9, 2020

    Thinking about Senior Independent Living? We’ve put together the top 10 best and worst states for retirement and Senior Living. Related Posts    


  • Review: Best Luxury Compact SUV Leases for 2021

    Review: Best Luxury Compact SUV Leases for 2021

    In the luxury car segment, there’s always room for compromises and improvements. With limitless options, specializations, and customizations, some of these vehicles can fetch staggering prices. For that, it’s critical that you always do your research before investing such huge sums of money into your next luxury car. Shopping for affordable luxury cars can be a daunting task, especially now that people can access almost every auto on the planet. As a result, our team compiled a list of 2021 new cars in the market that you can choose from. Whether you are after a classic sedan or SUV, we took the time to ensure that we captured what will interest you come 2021.

    This review should cover every aspect of each machine mentioned below. For such sums of money, it’s always important that you know exactly what you are getting.

    What Defines Luxury?

    Buying an upscale car is about the exception that proves you invest in a vehicle that actually gets you. While affordable luxury cars may be somewhat average in some areas like the fuel economy, they excel in almost every other aspect. These include:

    Curb Appeal – what’s the point of owning a luxury car if other people won’t take notice? Luxury cars know how to announce themselves in public. Large wheels, spoilers, curves abound within this category and shiny grilles. And these are just what you can see. Some of these machine’s manufacturers even sacrifice the trunks and rear seats just so they can have better aesthetics. But mostly, they just increase the vehicle’s size to accommodate everything.

    Indulgence – these cars aren’t just pretty on the outside; they also feel really great. Manufacturers use only high-end materials within these cruising lounges. There’s always no lack of modern amenities either.

    Cost – expressing yourself as a symbol of status isn’t cheap. It wouldn’t really do if everyone could afford these vehicles. True, many pay to rent these luxury vehicles for a few hours to a day. But purchasing them is another story. Fortunately, we compiled a list of some of the most affordable luxury cars for 2021 that you can actually afford.

    Let’s get to it:

    1. 2021 Mazda 6
    If you are looking for a midsize sedan with a premium marque, the 2021 Mazda6 is your best buy. Going by its looks alone, the Mazda6 boasts an elegant, high-quality interior and a gorgeous deep red metallic paint color. This beauty appeals even to people who generally don’t like red cars.

    It has a suggested retail price of $24,325 and a destination charge of $945. This makes its overall cost to be $25,270. Beneath the skin, the Mazda6’s suspension achieves the finest balance between comfort and agility. The seats are just ideal for long trips, making it the go-to car for people who love long-distance travel by car.

    It has a turbocharged engine that comes in higher trims, adding some zest to the driver’s experience. But that means spending more money.

    Pros
    • Premium interior
    • Optional turbocharged engine
    • Exceptional handling
    • Advanced driver aids are standard
    • Priced competitively

    Cons
    • Has a small trunk
    • No all-wheel drive

    Overall Assessment

    The Mazda6 is a serious contender for people who want only the best, premium vehicles for the 2021 travels. Its elegant, high-quality interior and sleek design make it one of the best options for drivers looking for that sleek appeal in a vehicle. And for the price, the Mazda6 should make for an awesome driving experience.

    2. 2021 Genesis Gv80
    This is the first-ever SUV from Genesis. It’s one of the best midsize luxury SUVs to consider buying in 2021. The GV80 was manufactured with a focus on its premium design, elegance, and quality. The manufacturers left nothing to chance when they built this beast. It has an upscale look and feel but still comes in at a slightly lower price compared to its competitors.

    The GV80 has one of the most extensive driver safety aids available on the market today that offers plenty of sumptuous luxury to the driver. It also comes with a two- or three-row seating. The GV80 demands consideration as it comes with a 3.5L V6 engine. It’s an All-Wheel Drive. With all these features, the GV80 starts at $60,175, which very affordable for a luxury car with such features.

    Pros
    • Available third row
    • Superb list of driver aids
    • Elegant interior and exterior design

    Cons
    • Option packages add up fast
    • No hybrid variant

    Overall Assessment
    The GV80 is a serious contender for those looking for a premium midsize SUV. It’s also an excellent choice for those seeking standard driver assistance and safety aids in their cars. And its finish is just superb. If this is what you are looking for, the GV80 is the SUV to meet your needs.

    3. 2021 Audi A6
    The A6 is another midsize luxury sedan that’s excellent for customers looking for technologically advanced vehicles. It should come with the latest safety assistance systems and a complete redesign from its 2020 model, adding segment-leading safety features and technology. The A6 also has a fully restyled exterior and interior and offers an excellent blend of sporty handling.

    This is the car to buy if you are looking for a quiet, composed ride.
    The Audi A6 is very spacious and can comfortably accommodate up to five adults. It comes with three trim levels. Its Premium Plus 2.0 design should start at $55,895. This comes with a 2.0L I4 turbo engine.

    Pros
    • Fancy available tech
    • Superb fit and finish
    • A spacious, well-appointed interior

    Cons
    • Upper trim levels are expensive
    • Some competitors offer more engaging drives.

    Overall Assessment
    The A6 is a luxurious, confident, and sporty sedan that offers a comfortable and dynamic driving experience. It’s the best option for drivers seeking to own cutting-edge tech in a sleek midsized sedan.

    4. 2021 BMW X5
    The MBX X5 ranks are one of the most luxurious SUVs on the market. It’s set to release in November 2020 and should be a blast to drive. It has engaging, confidence-inspiring dynamics that make it a serious contender on the list of must-buy 2021 luxury cars. The BMW X5 targets drivers looking for utility and sportiness combined. It’s a 5-seater vehicle with lots of room to get comfortable. It also comes in three trim levels and is believed to start at $59,895. The BMW X5 should have a 3.5L I6 turbo engine and is Rear Wheel Drive.

    Pros
    • Well-rounded
    • Lots of luxurious features available
    • Drives like a sports sedan

    Cons
    • Busy dashboard
    • Eight-cylinder engines are always thirsty
    • Costs more than most competitors

    Overall Assessment
    If you are looking for a top midsize SUV for 2021, the BMW X5 is a machine to consider. It’s just a blast to drive, thanks to its engaging and confidence-inspiring dynamics. It also comes with a luxurious interior that’s available in several colors and equipment combinations.

    5. 2021 Acura RDX
    This is a compact luxury crossover that’s aimed more at drivers who want both luxury and performance in one machine. The Acura RDX comes in one trim level and comes with an advance package that starts at $48,925, which is relatively affordable compared to its competitors. It has a 2.0L I4 turbo engine and is All Wheel Drive.

    Pros
    • Its starting price is fairly below many competitors
    • Apple CarPlay & Panoramic Moonroof standard
    • Powerful turbocharged engine

    Cons
    • Its leather seats are not standard
    • No available hybrid

    Overall Assessment
    The Acura RDX packs a lot of modern tech under the hood and is very comfortable to drive. It also fits reasonably well for a luxurious car and the price package. Its turbocharged engine and improved fuel mileage are a bonus too. This is one car manufacturer that is getting better with time.

    6. 2021 Lexus ES
    This is the go-to luxury vehicle for people looking for Ultra-Luxury ES grades. This vehicle model comes packed with a Standard Blind Spot Monitor and a Rear Cross Traffic Alert. You also have the luxury of choosing the ES that best fits your lifestyle and driving preferences. The enhanced 2021 ES should begin selling in early fall 2020 and should start at $40,925. It comes with a 3.5L V6 engine and is Front-Wheel Drive.

    This is the midsize luxury sedan to buy this fall if you are looking for a luxury car that’s reasonably affordable and of high-quality. Its plush and quiet driving experience also makes it a serious contender among other sedans. It is a five-seater vehicle and comes in 7 trim levels. So, you always have enough space to ride comfortably. This is the hybrid powertrain that provides you with excellent fuel economy.

    Pros
    • Standard advanced safety tech
    • Refined engine and transmission
    • Impressive sound deadening

    Cons
    • It has non-folding back seats.

    Overall Assessment
    The Lexus ES is the luxury vehicle to buy for drivers who want a smooth, reliable, and quiet driving experience. It’s an excellent fit for drivers who want cars with adaptive suspensions. Its extensive noise isolation features are a bonus, too, for a pleasant driving experience.

    7. 2021 BMW X6
    The 2021 X6 starts at $67,350. This midsize luxury sedan has proved to be one of the best sporty rides on the market today. Its sporty design, combined with other benefits, makes it a worthy contender and addition to our list. The 2021 X6 is also set to receive a full redesign from the 2020 model. The German automaker designed the X6 with driver safety aids and the most modern infotainment tech. It also has a sleek sloped roofline, which makes it even more desirable.

    The BMW X6 is also a five-seater and comes in 2 trim levels. It has a 3.0L I6 turbo engine and is All Wheel Drive. So, you can expect it to pack a lot of power while on the road.

    Pros
    • Standard driver safety tech
    • High-quality leather interior
    • Coupe styling in an SUV

    Cons
    • Rear seats lack headroom
    • Compromised rear visibility
    • Not as practical as its X5 model

    Overall Assessment
    The X6 is one of the best midsize luxury vehicles that you should get for your 2021 picks. It’s also a top choice for people who are looking for a more sporty but practical daily drive. It stands out in a crowd with one of the most distinct looks you will ever find in a car.

    8. 2021 Mercedes-Benz GLE
    Here’s another midsize luxury SUV that looks the part where there is talk about luxury vehicles. Under its hood is a 4.0L V8 turbocharged engine that pumps out a staggering 603 horsepower. This is the machine you want to buy if you are looking for a luxurious but practical vehicle that commands attention on the road.

    The Mercedes-Benz GLE also comes in three trim levels and is set to start at $57,745.

    Pros
    • Available three-row seating
    • High-performance trims
    • Spacious interior

    Cons
    • Optional equipment can be quite expensive
    • Gas mileage isn’t on par with most of its competing vehicles.

    Overall Assessment
    This is the luxury vehicle for anyone looking for a comfortable, solid luxury SUV. This Mercedes-Benz model remains one of the best and strongest options on the market for its smooth powertrains and superb driving dynamics. Driving the GLE feels like an exhilarating experience without compromising any of your everyday usability.

    9. 2021 Lexus GS
    For people looking to buy a luxury sedan that is affordable and meets all aspects of driving, the GS is a serious contender. Built by parent company Toyota, the Lexus GS uses one of the best time-testing V6 engines and quality interior materials. It also has a V8-powered option for vehicle enthusiasts who are looking for more excitement. The GS also adds in several driver assistance systems, which is a plus. The Lexus GS doesn’t compromise when it comes to creating a comfortable, practical premium sedan.
    The GS is a five-seater vehicle and comes in 4 trim levels. And for the interested parties, it starts at $53,785.

    Pros
    • Standard suite for driver safety
    • Smooth and powerful powertrain
    • Built using soft-high-quality interior materials

    Cons
    • Its touchpad isn’t as intuitive as a touchscreen
    • No hybrid version available
    • Its 350 trims are not as driver-focused as its rivals.

    Overall Assessment
    While the Lexus GS may not be as fast as its main rivals, it acquaints itself on the comfort and spaciousness front. Its plush interior and substantial trunk are its key selling points. This is the vehicle to buy if you are looking for that thrilling sports sedan experience. But all this doesn’t come cheap.

    The Bottom Line
    There you have it, our 2021 luxury car review with some of the most interesting options you should find on the market come 2021. Luxury cars have never been more affordable than they are today. And we should expect their prices to keep dropping while still maintaining their plush, exquisite designs.

    Compare Top Auto Insurance Companies-Get Better Insurance Today

    Posted: February 3, 2021

    Buying a new vehicle is everyone’s dream and an exciting experience. However, vehicles are expensive, and consumers need to protect their investment with car insurance. The insurance covers your car in case of an accident and protects the driver from certain liabilities. When searching for a reliable car insurance company, look at the coverage options, […]

    Credit Cards with the Best Incentives!

    Posted: January 26, 2021

    Credit card incentive programs or rewards give back to you for every dollar you spend doing shopping or paying for a service. They reward you in cash backs, hotel and airline points, free gas and more. To benefit from the incentives, you are supposed to spend responsibly and pay your balances in full every month. […]

    Is the Honda CR-V the Best Mid-Sized SUV?

    Posted: December 16, 2020

    If you’re in the market for a new car and wondering which SUV is right for you and your family, look no further! Today we’re breaking down some of the best SUVs on the market today and what makes each special. Important aspects, like price and average gas mileage, are high on our list of […]

    Fall Sale: New Truck Deals

    Posted: October 31, 2020

    Trucks deals are a bit harder to find this year, but there are deals to be found, especially over the Labor Day weekend. Here’s what our team found Best Full-Size Truck Deal: Ford F-150: Offer details include 0% financing for 72 months. The only exclusion is that F-150 Raptors are not included with this incentive. You […]

    Roadside Assistance- Why You Should Invest

    Posted: October 12, 2020

    As a single female, my parents always instilled in me the value of roadside assistance. Every year I would have a mishap. I wasn’t the type of person that liked to bother friends or family. I didn’t have a partner, so I just found ways to get my needs met. Some of this involved learning […]

    Car Insurance: Quote Consideration Factors

    Posted: September 14, 2020

    How do you know if you found the right car insurance company and are getting the best quote ? Before you make a decision on which company to buy car insurance with, you should be aware of the factors the insurance companies consider when they give you a quote: The Devil is in the details: […]


  • Home Office Furniture Review & Sale

    Home Office Furniture Review & Sale

    Working from home is here to stay for many workers across the US. Make sure you have the best home office!

    Large tech companies including Facebook, Amazon, Google and more have instructed employees to plan for remote working at least through the end of 2020 if not longer. Does your home office need an upgrade? Here are a few of our must have items for your home office:

    Chairs:
    Top of the Line: Herman Miller Aeron Task Chair. Known as the ‘King of office chairs’, this chair is as good as it gets. They are on the pricey side, but many of our readers say the investment is worth it.

    On a Budget: Furmax Office Mesh Chair If you’re on a budget, the Furmax office mesh chair is the right move. At $57.99, it’s a bargain when it comes to office chairs.

    Find your Balance: Gaiam Classic Balance Ball Chair Want to find your Zen? This classic balance ball chair will surely promote your productivity. Priced around $70

    Keyboards: 

    Go Ergonomic: Microsoft Sculpt Keyboard: This is the keyboard to get if you’re looking for an ergonomic keyboard. ⌨️ $67 at Amazon.

    For Mac Lovers: Keychron K2: This keyboard was made with the Mac in mind. With RGB lighting- this keyboard is exciting! $95 at Amazon.

    Ergonomic at a good price: Logitech K350. If you want an ergonomic keyboard, but don’t want to break the bank, look no further. $37 at Amazon.

    Finally- How about something fun?

    The official ‘BS’ Button: Are you tired of all the Bullsh*t around the home office? Let ’em know with The Official BS Button designed specifically with those moments in mind.


  • The Future Is Here: 5G Smartphones! Samsung Galaxy S20 and Galaxy S20 Plus have officially been released.

    The Future Is Here: 5G Smartphones! Samsung Galaxy S20 and Galaxy S20 Plus have officially been released.

    The future is here – 5G is the latest version of cellular networks. This is a once in a decade upgrade to the way consumers can wirelessly deliver data, making the Galaxy S20 one of the fastest and most powerful smartphones in the market. Just how much faster? In this new era, the Galaxy S20 with 5G will average out to be roughly 20 times faster than the traditional 4G network you are currently using.

    5G, Done Right.

    Samsung’s brand new Galaxy S20 5G series are a part of Verizon’s lightning-fast 5G network. 5G will give you access to speeds that will change the way you use your smartphone for work, play and everything in between. What exactly does that entail?

    As 5G continues to expand, you’ll be able to play video games with almost no lag time. It doesn’t stop there, you’ll be able to upload photos and videos to your favorite social media platform as fast as you can shoot!

    Camera of the future: 3D scans and 8K resolution

    While Samsung is not the first to roll out 3D scanning, they came up with a cool application for 3D scanning with Augmented Reality. Consumers can now 3D scan objects and drop them into their photos and videos. Users can even animate them using motion capture. This will be huge for consumers that put out content on social media platforms such as Instagram and TikTok.

    For videographers, the devices can shoot in 8K so users can capture their world in true-to-life color and quality. Thanks to Super Steady’s anti-rolling stabilization and AI motion analysis, even the bumpiest videos look like they were shot using a gimbal.

    Lightning-fast charging

    Long gone are the days where your smartphone battery dies a few hours after charging. With a quick 30-minute charging session, the Galaxy S20 will hold battery juice all day long. Samsung did this by including a 45W charger to amp up the wattage in comparison to competitors that have a 30W charger.

    So, where can I get one and how much is this going to cost me?

    Preorders for the Galaxy S20+ 5G and Galaxy S20 Ultra 5G on Verizon start February 21 at 12:01am ET and both phones will be available in stores and online on March 6. The Galaxy S20 5G (6.2”), designed for Verizon’s 5G Ultra Wideband network, will be available in the second quarter of 2020. Pricing is as follows:

    Galaxy S20 Ultra 5G (6.9”) starts at $58.33 a month for 24 months on Verizon Device Payment (0% APR; $1,399.99 retail).
    Galaxy S20+ 5G (6.7”) starts at $49.99 a month for 24 months on Verizon Device Payment (0% APR; $1,199.99 retail).
    Galaxy S20 5G (6.2”), designed for Verizon’s 5G Ultra Wideband network, starts at $41.66 a month for 24 months on Verizon Device Payment (0% APR; $999.99 retail; coming to Verizon Q2 2020).