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Are you on the verge of retiring? Then you must start thinking about your post-retirement investments. You must look for safe investments that will give you a good annual return. It is not possible nowadays to get 5% to 7% ROI. But there are many safe places to invest.
To find out safe places you need to know the type of investments that provide the protection of principals- FDIC insured money market accounts, savings accounts, and short term CDs. You will get around annual yields of 1% or so if you look for the highest paying accounts.
You may go to those high-yield checking accounts, who make you jump through lots of hoops like doing a fixed number of transaction every month. Here you may look for a little more, like 1.5% return. Most of the times they limit the amount $25,000 or less, on which they will pay their highest rate.
You can go to a longer time CD. There you may get around 2% returning. But Financial Industry Regulatory Authority alerts advice to be very careful about the pitches for high yielding CDs. They can even drag you towards several other retirement investment plans.
All these accounts will help your money to grow fast but tax-free. You need to pay the tax only when you take out the money from your account and close it. Though this does not happen with Roth IRAs. Here no tax is due at the withdrawal of the money. If you take out the money before reaching the age of 59 and a half, mostly you will need to pay a 10% penalty added to the regular income tax.
The Internal Revenue Service has their own complicated rules and regulations for different types of retirement accounts. There are certain tax breaks which are only available to those people having a certain amount of income. So you need to check the IRS website very well for details or go to your account.
If you are doing a thorough retirement investment planning, then keep this information handy!
Hanging lights are light bulbs which are affixed to a lampshade attached to the ceiling through a series of chains. These hang down in the form of a pendant chain; hence they are also named as pendant lights. Hanging light is an umbrella term for various forms of light fixtures including hanging lamps and ceiling lamps. The most common ones that are found in almost every house are the ones that have a bulb inside an enclosed shade or a shade that has one end open. The bulb may either face upwards or downwards depending on the type of illumination that the hanging light is expected to give.
Though pendant lights and hanging lamps are used to enhance the aesthetic beauty of the room, they may also be employed to add extra lighting to a particular corner for performing tasks effectively. Usually, ceiling lamps are placed in entry passageways, staircase areas and porches to provide a subtle, dim lighting appearance. Smaller hanging lights are placed to lay special emphasis on specific areas such as paintings or photos. They are extremely helpful in drawing traffic to a certain desired position. At times, switching on all the lights is not required and in those cases, using these pendant lights that do not illuminate the entire room is the perfect solution. Moreover, not turning on the entire lighting system saves a lot of electricity and helps you save those extra bucks.
Strategic positioning of hanging lamps and ceiling lamps can significantly impact the lighting in a room. If these are mounted on one corner, they help in defining that particular area and similarly, if they are placed in the middle of the ceiling, they provide a dim ambiance to the entire room. It all depends on how you want to design the house and how much investment you wish to make in setting up different styled lights. The hanging lights that have the bulb mounted upwards work on the concept of reflection where light is thrown on the ceiling first following which it indirectly bounces back in the entire room, and these types of lights are used for general lighting. On the other hand, the pendant lights that have the bulb mounted downwards reflect light only on the particular area, although the spreading capacity also varies according to the lampshade used.
Hanging lights for regular illumination purposes function to provide a silhouette of all the corners and edges of the room. Single pendant lights may add to the general lighting system apart from their attention on individual corners. For example, if you wish to read a book in your room without disturbing others, you can turn off the regular lights and switch on the individual hanging light for better illumination.
People often go for hybrid mattresses when they aren’t ready to take the leap to a complete memory foam mattress. The best hybrid mattresses have a combination of memory foam layers and innerspring system. This combination in mattresses not only provides comfort but also offers pressure relieving benefits. Most hybrid mattresses typically have coils that are of the same size as innerspring mattresses; however, they also use memory foam to provide contouring and support. When it comes to the lifespan of these mattresses, it makes sense to spend on a hybrid mattress as most of them last for almost 10 years on an average. However, with proper care, you can increase the lifespan of these mattresses by a few more years.
Mattresses are often bought for a couple of years, which makes it important to buy the best one available. There is a wide variety of hybrid mattresses in the market, to choose the best one, consider the factors below to finalize on the best one for you:
Size– You may choose the size that is perfect for the space in your room and as per your requirement. The standard sizes available in hybrid mattresses include queen, king, California king, twin, twin XL, and full/double. You may also find the split queen, king, and California sizes.
Thickness– The thickness of most hybrid mattresses is at least 10 inches. However, the variations in thickness in hybrid mattresses you will find will be between 5 inches to 15 inches. You must choose the thickness as per your body weight to get the best hybrid mattress.
Durability– As mentioned earlier, most mattresses will perform for at least 7-10 years. However, the durability depends on the material composition of the mattress. Therefore, focusing on the material is important to ensure durability.
Conforming ability– Some hybrid mattress conforms closely to the sleeper’s body while others don’t. Therefore, irrespective of the quality of the mattress, you can make sure you purchase the one that suits your need of comfort. Also, you can buy the best Tempur-Pedic mattress for its conforming ability to ease the pain in the lower back.
Firmness– The firmness of a hybrid mattress is often dependent on two factors that include sleep position and sleeper’s weight. If you typically sleep on your side, you should opt for a soft mattress and if you sleep on your back or stomach, you should go for mattresses that are “medium firm” or are primarily firm.
Motion isolation– If you share your bed with someone, then a motion isolation can be an important quality in a hybrid mattress. It prevents the movement of the entire mattress, which is caused when someone moves in the bed. Thus, it reduces night-time disruption.
You can shop for the right hybrid mattress for you in several stores available to you across the country. Some of the best hybrid mattresses are available in online retail stores, as well some of the brick and mortar stores that include US-Mattress, BrandsMart USA, Mattress Depot USA, and more.