Get the Best Mattress for Your Money

Some of the investments that we make are fairly straightforward. We will expect that we should buy our own place to live, and potentially a car as well. Making smart investments can pave the way for our futures. However, there are a lot of small investments that we can make in our everyday lives as well. For instance, have you ever considered your mattress to be an investment? Because it is! It is an investment in your physical and mental health. Having the right mattress is a good first step towards making improvements in your life. It can be tricky to find the best mattress for your money, so hopefully this article will enlighten you!

Analyze Your Needs

The type of mattress that would best suit your needs depends entirely on you. If you have a stiff and sore back, you will require a different mattress than if you wanted a plushier one. If you have chronic back pain, it is recommended that you speak to a doctor first about what you require. A firm, good quality mattress will probably be your best bet to alleviate your back pain. Memory foam is nice because it shapes itself around your body. This will give you the optimal back support that you require. If you do not have a chronic illness, it is likely that you will not need to spend top dollar on the most expensive mattress that you find. However, it is still a good idea to invest a fair amount of money in a nice mattress for yourself. After all, you will be spending much of your life sleeping, so why shouldn’t you have a great place to do it? Some people have even different needs, and they are looking for something that their guests can use. Futon mattresses are nice because they can easily be tucked out of the way in a guest bedroom.

Do Not Spend Full Price

Mattresses can be found from a multitude of suppliers, all who want you to buy their product over their competitor’s. This means that these suppliers will be offering coupons and/or deals for their mattresses fairly frequently. Keep an eye out for these deals, because they will save you a significant amount of money. If you spend less money on a good mattress that will last many years, you are making a wise investment. Another good time to invest in a mattress would be days like Black Friday or Boxing Day. These are the times when merchandise in stores is on sale the most. However, there is likely to be a great deal of people who have the same idea as you. This is why it is important to do your research beforehand, so that you know exactly what it is that you came into the store for.

Pay Attention to the Fine Print

Warranties on a mattress can be helpful if you know exactly how they can be applied. Sometimes however, people are tricked by the wording on warranties. Certain models of mattresses cannot be returned to the store if a mattress protector was not used on them. As well, if you did not use a box spring under the mattress, this is another means of dismissing the warranty. A manufacturer’s defect, such as a broken spring or bad foam, can occur in any mattress. A warranty typically covers a manufacturer’s defect for a certain period of time. Overall, it is a good idea to get a warranty for your mattress, because it is protecting the investment that you worked towards.

Take Advantage of Trials

Most mattress manufacturers, good ones anyway, will offer a sleep trial. This usually comes in the form of 30 days or 100 nights, for example, and allows the buyer to take the bed home and test it out. Remember, a bed that’s perfect for one person may not be the best for you. These sleep trials let you figure out if your new purchase is the best one and if it’s not, it allows you to return the bed for a full refund. So be sure to keep an eye out when shopping around.

Conclusion

Although you may not have thought about it, furnishing your home can involve making some pretty major decisions about investments. Good quality products come at a price, and some people are not inclined to pay it. Investing in a good mattress will provide you with a higher quality of sleep and an overall better feeling as you go through your day, without breaking your budget. When deciding to buy a new mattress it is important to analyze your exact needs, watch out for deals, and get a warranty. If you follow these tips you will be making a wise investment in your mattress, and therefore in your life.

Jay Cutler Net Worth

Tom Brady, Brett Farve, Peyton Manning, these quarterbacks will all go down in NFL history as some of the best.  Then there are those quarterbacks who enjoyed a long and successful NFL career, but won’t be remembered among the elite.  In steps Jay Cutler.  Cutler is currently the starting quarterback for the Miami Dolphins.  He came out of retirement after Miami’s starting quarterback was hurt earlier this year.  While many consider Jay Cutler falling short of career expectations, he has been able to rack up a significant net worth during his playing career.  Jay Cutler’s net worth sits at $60 million.

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Miami Dolphins QB Jay Cutler

At 34 years of age, Cutler is currently playing in his 12th year as an NFL quarterback.  He has played for three teams, the Broncos, the Bears, and now the Dolphins.  He was selected as the 11th overall pick in the 2006 NFL draft by the Denver Broncos.  His first contract in the NFL was worth an astounding $48 million for six years; however, he was traded to the Chicago Bears after only three seasons in Denver.  While in Chicago, Cutler remained a consistent starter for the Bears, but he never produced the stellar season that the Bears were hoping for.  Even despite his lackluster performance, he was still awarded with a massive seven year $127 million contract in early 2014.  Even with this massive contract in hand, Jay Cutler couldn’t live up to the expectations and eventually he was released by Chicago before playing out the extent of the contract.

Upon his release from the Chicago Bears, Cutler announced he would retire from professional football; however, his retirement was short lived.  He was eventually called upon by the Miami Dolphins to fill in for quarterback Ryan Tannehill who got injured before the 2017 season began.  Miami signed Cutler to a one year deal worth $10 million.  After the 2017 NFL season, Jay Cutler’s career NFL earnings will top over $120 million.  It is his NFL paychecks that have helped give rise to Jay Cutler’s net worth.

Although many believe Cutler fell short of his potential, he has ended up having a fairly successful football career.  His college career at Vanderbilt University propelled him to his first round draft selection.  He was named to the All-SEC first team his senior year.  His only Pro Bowl selection came in 2008 when he led the Broncos to an 8-8 overall record and threw for 25 touchdowns.  He set a career high for himself in passing yards that year with 4,526.

Jay Cutler is married to reality television star Kristin Cavallari and the couple has a total of three children together.  He started the Jay Cutler Foundation back in 2007 while in Denver.  He was also diagnosed with Type 1 diabetes and works with Dedication to Diabetes to help raise awareness for the disease.

Justin Verlander Net Worth

The 2017 World Series is upon us and it features the best two teams in the MLB, the Los Angeles Dodgers and the Houston Astros.  The Astros are in search of the club’s first World Series pennant, while the Dodgers haven’t won the title since 1988.  Many are familiar with the Dodgers ace, Clayton Kershaw, but the Astros have a pitcher of their own that is among the league’s elite.  That pitcher is Justin Verlander.  Verlander is a pitching veteran who spent the first part of his career with the Detroit Tigers before being traded to the Astros earlier this season.  He now is hoping to lead the Astros organization to their first ever World Series title, but to do that he has to get past the Dodgers and their home field advantage.  Despite the task at hand, Verlander’s success on the field has led to Justin Verlander net worth to be $90 million.

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Astros pitcher Justin Verlander

At 34 years of age, Justin has had an illustrious MLB career thus far.  He is a six-time all star who won the American League Rookie of the Year award in 2006.  Despite pitching on great teams in years past, Verlander is still looking to become a World Series Champion.  He helped lead the Detroit Tigers to two World Series back in 2006 and 2012, but the team came up short each time.  A World Series championship in 2017 would help to round out Verlander as one of the all time greats on the mound.

The majority of Justin Verlander net worth comes from his on the field earnings throughout his career.  He was the second overall pick in the 2004 draft out of Old Dominion.  His initial contract included a signing bonus of over $3 million, but it wasn’t until later in his career that he was able to really cash in.  After seeing the promise in their young star, the Tigers gave Verlander a five year $80 million contract before the start of the 2010 season.  While this might sound like a lot, it fails in comparison to his most recent contract he signed back in 2013.  In March of 2013, Justin signed an enormous six year contract valued at $162 million.  His total career earnings to date through the MLB total over $170 million.  As for what the future holds for Justin… More money.  He is scheduled to make nearly $80 million over the next three season as part of his contract.  This would easily bump Justin Verlander’s net worth to nine figures.

Verlander is a native of Virgina.  He is more famously known around Hollywood as the guy who is engaged to supermodel Kate Upton.  The couple got engaged back in 2016 and plans to tie the knot in the near future.  When Justin isn’t spending time with his fiancee, he commits himself to charitable work, most notably the Wins For Warriors Foundation.

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2018 401(k) Contribution Limit Unveiled

Death and taxes.  The two things that most say are certain in life.  Well now at least when it comes to taxes you might be able to avoid some because of a recent decision by the Internal Revenue Service (IRS).  The IRS recently came out with the guidelines for 2018 when it comes to tax-advantaged retirement accounts.  Although none of the changes were dramatic, they made a few tweaks that will allow individuals to boost retirement savings in certain tax friendly accounts.

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The 2018 401(k) contribution limit is being pushed slightly upward to $18,500 per year.  This is a $500 increase on what it used to be.  Individuals who are 50 and over can still save an additional $6,000 meaning some can contribute as much as $24,500 into a company 401(k) plan.  While an increase in the 2018 401(k) contribution limit came about for the upcoming year, other retirement plans such as IRA’s and Roth IRA’s remain unchanged.  You are still only able to contribute $5,500 per year to both traditional or Roth IRA.

IS CONTRIBUTING TO A 401(k) A GOOD IDEA?

The short answer is absolutely!  While not all companies offer 401(k) plans for employees, a lot do.  It is highly recommend that you put in at least the minimum amount required to get the full match your company offers.  Once you have done this, see if you can contribute a little bit more and further increase your retirement savings.  At my first job, I began contributing 6% which was what I needed to do to get the entirety of my company’s match; however, I began to increase it over time.  Get a 3% raise?  Try increasing your 401(k) contribution by 2%.  This was a simple and easy method I did each time I’d receive one, and the best part was I never missed the money at all.

IS IT EVEN POSSIBLE TO CONTRIBUTE $18,500 OR $24,500 TO A 401(k)?

Yes again.  Is it hard?  Sure it can be, but is it doable?  Absolutely.  How do I know it’s possible?  Because I myself max out my retirement account for my 401(k).  I never see the money.  It’s taken directly out of my paycheck, so I never miss out on spending it.  The recent increase of the 2018 401(k) contribution limit is something that I will take advantage of.  A small percentage bump can make a lasting impact during one’s retirement.

In closing, the increase of the 2018 401(k) contribution limit won’t have much of an impact on most people.  Very few actually max out their retirement accounts.  But if you’re like myself, then you welcome the news with open arms.  While 2018 saw an increase to the 401(k) contribution limit, 2019 has a very good chance to see an increase for contribution limits to both traditional and Roth IRA’s.  Only time will tell.

Budget Smart, Invest Wise

Stephen Strasburg Net Worth

October is finally here, and for baseball fans around the country that means one thing… PLAYOFFS.  If your MLB team is lucky enough to make the postseason, then you are likely to be glued to the TV throughout the month rooting them on.  One of the teams who did make the playoffs is the Washington Nationals.  The Nationals have seen progress over the past few season and part of it is due to the stellar pitching of Stephen Strasburg.  Stephen has spent all seven of his professional years with the Nationals and is coming off back to back 15 win seasons.  Because of his success, Stephen Strasburg net worth tops out at $25 million.

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Nationals pitcher Stephen Strasburg

At 29 years old, Strasburg has secured his standing as a top pitcher in the MLB.  His professional career began in 2009 when the Nationals selected the pitcher as the first overall pick in the MLB draft.  His initial four year $15.1 million contract was the highest of any rookie ever to that point.  This initial contract helped to jump start Stephen Strasburg’s net worth.  After signing a number of one year contracts with the team, Stephen was finally rewarded a long term contract with the organization.  In May of 2016, Strasburg signed a seven year contract valued at $175 million.  The contract is designed in such a way that gives Strasburg a player option beginning in the 2020 season.  It also includes a performance bonus.  The bonus is based on the number of innings he pitches during the regular season.  If he exceeds 180.0 innings pitched, he is rewarded with a $1 million bonus.

In order to justify his new contract, Stephen went out and performed quite well during the 2016 season.  He posted a 15-4 record and an ERA of 3.60.  He followed it up with another stellar performance in 2017.  For this current baseball season, he has another 15-4 overall record but has lowered his ERA to just 2.52.  Since pitchers in the National League are required to bat, Strasburg even went so far as to hit two home runs during the 2017 season.  He also was able to secure his third All-Star appearance this season representing the National League.

Stephen Strasburg net worth is due in large part to his career earnings while playing baseball professionally.  To date, he has earned over $60 million in career earnings through the 2017 season.  Strasburg is not a super flashy and well known player like his teammate Bryce Harper.  Thus, he lacks a lot of the endorsement deals that come with big name players.

Strasburg is still quite young in terms of baseball’s longevity.  We expect Stephen Strasburg’s net worth to continue to increase over the next years quite substantially.  While his net worth sits at $25 million now, it can easily double in a few years time.

 

 

Andrew Wiggins Net Worth

In today’s age, professional athletes are signing contracts that keep getting bigger and bigger.  In fact, contracts for players of the National Basketball Association are the largest of them all.  Recent negotiations between the players’ union and the association has allowed contracts to reach an all time high.  Andrew Wiggins is one of the players set to benefit from the recent contract negotiations.  The first overall draft pick in 2014 by the Cleveland Cavaliers, Wiggins never played a game with the Cavs, but instead was traded to the Minnesota Timberwolves.  Since arriving in Minnesota, Wiggins has proved why he was the number one overall pick.  His first contract was four years for just shy of $25 million.  Because of this initial contract, Andrew Wiggins net worth sits at $20 million.

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NBA star Andrew Wiggins

Although he is just 22 years old, Wiggins net worth is much higher than almost anyone currently in their 20’s.  Despite only having earned just $17 million through his first three seasons on the court, Andrew Wiggins net worth sits much higher due to his endorsement deal he signed as a rookie with apparel company Adidas.  It was reported that Wiggins endorsement deal with the company pays him roughly $18 million a year.  Couple that with his on court performance, and it is easy to see why they were willing to pay the young star so much.

Wiggins has recently made national headlines for his peculiar way of handling what could be the biggest basketball contract of his young career.  He recently fired his agent, and he is reportedly not jumping at the opportunity to sign a max extension with the Timerwolves which is worth $148 million for five years.  That contract would pay Wiggins nearly $30 million per season and would place him among the basketball elite.  But is Andrew Wiggins worth this massive contract?  The answer is an astounding YES.  In just three years in the league, Wiggins is averaging over 20 points per game, and last season alone he averaged over 23 points in each contest.  He is a solid free throw shooter at 76% and made adjustments to his game to reach a 36% success rate on three point tries.

It was evident that Wiggins was a special talent early on.  In 2013 he was the Gatorade National Player of the Year and Mr. Basketball USA as a senior in high school.  He ended up signing with the Kansas Jayhawks where he played just one season averaging over 17 points per game during the season.  He eventually declared for the NBA draft where he was the first overall pick.  His NBA career got off to a stellar start and he was named the NBA Rookie of the Year along with being apart of the NBA All-Rookie First Team.

Despite not being in any rush to sign his contract extension, Wiggins has expressed that he would like to remain with the Timberwolves in the future.  Although only time will tell, Wiggins with or without an agent is expected to sign an extension of some kind which will pay the young star a great deal of money.  Andrew Wiggins net worth will greatly increase over the coming years as he continues to earn money from not only his new expected extension but also his endorsement deal with Adidas.

Jim Harbaugh Net Worth

College football coaches are under heavy scrutiny in this day in age.  With social media and a constant flow of news 24 hours a day, being in charge of a college football program has never been more difficult.  However, when you consistently win, coaching can be quite enjoyable.  In comes Jim Harbaugh, head football coach of the Michigan Wolverines.  Harbaugh is currently in his third season as head coach of the Michigan Wolverines, and he has led the team to success they haven’t experienced in decades.  His teams went 10-3 during his first two seasons, and is currently undefeated through the first four games of the 2017 season.  Because of his early success in Ann Arbor, Jim Harbaugh has been able to secure a high salary of $9 million for the 2017 season.  His coaching success throughout the years has helped balloon Jim Harbaugh net worth to $22 million.

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At 53 years of age, Jim has been around football his whole life.  He played quarterback for the Michigan Wolverines during the 80’s and led his team to the Rose Bowl during the 1986 season.  He finished third in the Heisman voting that year and went on to be a first round NFL draft selection by the Chicago Bears.  Harbaugh went on to play 14 seasons in the NFL for a number of teams.  He finished his NFL career with over 26,000 yards passing and 129 touchdowns.  In the late 90’s, NFL salaries weren’t what they are today, and along with playing, Jim took an unpaid assistant coaching job with his father at Western Kentucky.

Jim spent a season as an assistant coach in the NFL after his playing career was over before finally becoming a head coach for the University of San Diego.  Jim had a combined 29-6 record at the helm and led the team to back to back 11-1 seasons and two conference titles.  His west coast success didn’t go unnoticed and he soon became the head coach of power five school Stanford.  Jim only spent four season as the head coach for the Stanford Cardinals, but in 2010 he took his team to the Orange Bowl where they won and finished the season with a 12-1 record.  He eventually found himself coaching in the NFL again as the head coach of the San Francisco 49ers.  He coached against his brother, John Harbaugh, in Super Bowl XLVII where his Niners team lost by a field goal.

Eventually Jim landed up in Michigan where he is now and where he has stated he’s always wanted to be.  Jim Harbaugh net worth comes from his long career in the NFL as a player and his successes as a head coach at multiple levels.  For the 2017 football season, Jim’s $9 million salary makes him the highest paid coach in the sport.  We expect Jim to continue coaching for the Wolverines for a while longer, and thus we expect Jim Harbaugh’s net worth to continue to increase.  While coaching salaries have gotten higher over the years, so have the expectations.  If Jim can continue to meet and exceed the expectations of the Wolverine faithful, he can go down as one of the great coaches in all of football history.

Bill Belichick Net Worth

Bill Belichick is the head coach for the New England Patriots of the National Football League.  The 65 year old has been the head coach of the Patriots since 2000.  He is currently in his 18th season of coaching with the team and his 23rd of coaching in the NFL.  His success with New England is unparalleled in professional sports.  Due to his high success in coaching, Belichick has easily earned his yearly salary estimated to be around $7.5 million.  This high salary and his the constant success of his teams on the field have helped make Bill Belichick net worth $40 million.

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New England head coach Bill Belichick

Belichick became enveloped in sports from a young age.  He played football in college for Wesleyan University in Connecticut, but his passion for the game didn’t stop there.  Bill spent many seasons in the National Football League slowly working his way up to the top.  His first chance to become a head coach was in 1991 when he was given the reigns to the Cleveland Browns.  He coached for the team for five seasons with his best record being 11-5 during the 1994 campaign.  He was eventually let go after the Browns went 5-11 during the ’95 season and the team moved to Baltimore.  It wouldn’t be until the year 2000 when Belichick was once again announced as a head coach, this time for the New England Patriots.

In his first 17 seasons with the Patriots, Belichick has led the team, with help from quarterback Tom Brady, to an astonishing 201-71 regular season record.  Belichick wasn’t just good at winning, he was good at winning championships.  Bill has coached the Patriots to five Super Bowl titles during his stint.  Additionally, the team has made the playoffs in 14 of his 17 seasons and has 14 AFC East division titles to go along.  The Patriots are the defending Super Bowl champs after a come from behind victory against the Atlanta Falcons in Super Bowl LI.

So what helps to make Bill Belichick net worth so high among coaches?  Ultimately it is his teams success year after year.  He is a five time Super Bowl winner as a head coach, a two time Super Bowl winner as an assistant coach, and a three time winner of the AP NFL Coach of the Year award.  That many awards over a coaching career is sure to make almost anyone a wealthy individual.

We believe that Bill Belichick net worth will continue to increase over the coming years.  He is one of the highest paid coaches in all of football history and as long as his team continues to produce we don’t see him retiring anytime soon.  We have seen many coaches continue their careers well into their 70’s, and we shouldn’t expect anything less from this future Hall of Fame inductee.

Clayton Kershaw Net Worth

Clayton Kershaw is a pitcher for the Los Angeles Dodgers.  Although he isn’t even 30 years old, Kershaw has one of the most lucrative professional sports contracts in history.  He was able to secure his current contract due to his stellar performance on the mound.  His current contract, seven years for $215 million, has skyrocketed Clayton Kershaw net worth to a new height.  While the first few years of baseball contracts helped create a foundation for his net worth, his current contract has made Clayton Kershaw net worth an astonishing $50 million.

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Pitcher Clayton Kershaw

Born March 19, 1988 in Dallas, TX, Kershaw spent his younger days in Dallas and attended Highland Park High School.  He excelled in his high school years and became one of the top prospects in the 2006 MLB draft.  Although he originally committed to play college ball at Texas A&M University, he eventually signed with the Dodgers when they selected Clayton number seven overall in the draft.  Kershaw spent two years in the minors for the organization before being called up for good during the 2008 season.  He started 21 games in his rookie campaign posting a 5-5 record and an ERA of 4.26.  He has continued to excel in his career ever since.  Despite being unable to lead the Dodgers to a World Series appearance thus far, he has been the main reason the team has consistently reached the playoffs.

Upon being drafted in 2006, Kershaw received a $2.3 million signing bonus as part of his initial contract.  This helped to give Clayton Kershaw’s net worth a jump start on many 18 year olds.  In 2011, Kershaw had an incredible year for the team.  He posted 21 wins for the organization and an ERA of just 2.28.  The Dodgers rewarded him with a two year $19 million contract for his efforts.  2014 was when Clayton Kershaw would hit his big payday.  After following up his 2011 campaign with two solid seasons, the Dodgers gave Clayton a massive seven year $215 million contract which paid him an average of over $30 million per season.  He was now the highest paid pitcher in Major League Baseball history.

Currently in his 10th season in the majors, Kershaw has a career record of 142-63 with over 2,000 career strikeouts.  His big payday is the result of his top performances year in and year out.  Clayton is a seven time All-Star and a three time winner of the NL Cy Young Award which goes to the division’s best pitcher.  Kershaw has almost certainly already solidified himself as a future inductee into the Hall of Fame.

After this season, Kershaw still has three years remaining on his current contract with the last two being a player option.  If he decides to finish out his contract with Los Angeles, we expect Clayton Kershaw net worth to baloon to over $75 million.  After he finishes the contract he will still be just 32 years of age, young enough for another big deal.  He has the potential to become one of the highest paid players in the MLB in terms of career earnings.  While nobody can predict the future, we do know one thing; Clayton Kershaw will be a very rich man for a long time to come.