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.

7 Reasons to Invest in Real Estate

You might have heard the saying, “They’re not making any more land,” and it’s true. Investing in real estate is smart, because although the value of the property might fluctuate in unstable markets, the value of land will never depreciate. But there are other reasons to invest in real estate that you probably haven’t thought of yet. Here are just a few of those reasons:

  1. Future Income Stream

    When you make a real estate investment, you’re actually purchasing a stream of future income. Accruing rental income over the long term creates a significant proportion of total return. If your initial short-term goal was to fix and flip a property to sell it at a profit, and you have a hard time finding a buyer, you can always rent it out instead. Doing so will give you a fixed monthly income, and if you hire a landlord or property manager, you can sit back and forget about it.

  2. High Tangible Asset Value

    Unlike stocks and bonds, an investment in real estate is backed by brick and mortar. Its tangibility and physical presence reduce the principal-agent conflict, or the extent to which you rely on the competency of investment managers and debtors to handle your funds. Many real estate regulations mandate a minimum percentage of profits to be paid out as dividends, so you can worry less about seeing your money come back to you.

  3. Inflation Hedging

    An inflation hedge is an investment that provides protection against the decreased value of a currency. Typically, it involves investing in an asset that is expected to maintain or increase its value over a specified period of time. Real estate offers inflation hedging due to its relationship between Gross Domestic Product (GDP) growth and demand. As economies expand, the demand for real estate drives rents higher which, in turn, translates to higher capital values. For that reason, real estate investments tend to maintain their purchasing power, passing on some of the inflationary pressure on to tenants in the form of capital appreciation.

  4. Competitive Risk-Adjusted Returns

    Risk-adjusted return refines an investment’s return by measuring how much risk is involved in producing that return. Real estate investments have low volatility, meaning they’re less likely to shift wildly and unpredictably. The relatively consistent market, stemming from infrequent real estate transactions and third-party prop erty appraisals, results in stable pricing and leads to smooth returns.

  5. Easy Financing Options

    When you purchase a stock or bond, in most cases, you’ll need the money upfront. Such is not the case with real estate investments. There are a variety of ways to finance your property purchase, including, but not limited to: cash, conventional mortgage loans, and hard money lenders. The best choice for you might depend on the location of your property. For example, in competitive markets such as Southern California, buyers should research Anaheim hard money lenders for a quick and easy close. Alternatively, in states with high taxes and interest rates, buyers would benefit from cash transactions or conventional loans.

  6. Portfolio Diversification

    Whether you’re a seasoned investor or just getting your toes wet, you’ve probably heard the term ‘diversification’. Financial advisors recommend diversifying your investment portfolio; this helps you avoid the risk of placing all your eggs in one basket. Real estate has a low correlation with other major asset classes, and by adding that investment, you can lower portfolio volatility and find a higher return per unit of risk.

  7. Psychological Advantage

    If you’re comparing real estate to other forms of investment, consider the psychological advantage. Real time markets are vulnerable to sudden and unexpected shocks, seen in the ‘Flash Crash’ of May 2010, when $1 trillion in stock market value was erased in just 15 minutes. Watching stocks, bonds, or equities rise and fall can be incredibly stressful, and knowing when to pull your money out takes experience, knowledge, or advice from someone you may or may not be able to trust. Real estate investments offer a greater peace of mind in an environment where office volatility is an issue and the dynamics of algorithmic trading are murky.

Ultimately, the bottom line is that real estate makes a distinct, easy-to-understand asset class. Evaluate these various benefits to see how real estate is undeserving of its tarnished reputation.

 

Usain Bolt’s Net Worth

The greatest sprinter of all time, Usain Bolt, stunned the world again this summer at the 2017 World Championships. At the age of 30, the legendary athlete announced his retirement, lost his world champion status and suffered an injury all in a matter of a few days. Nevertheless, the Jamaican star bowed out at the very top of his game, with an unprecedented career behind him. Already an Olympian, he won his third, consecutive triple gold at the 2016 Summer Olympics in Rio for the 100m, 200m and 4 x 100m. Add this to his three world records (at three different distances) and 11 world championship titles and you have one of the most successful athletes of all time. Unsurprisingly, he’s in a league of his own when it comes to his financial earnings, too.

Usain Bolt is the only track and field athlete to rank in Forbes’ latest celebrity rich list in which he is ranked at number 88 and he’s estimated to be the 23rd highest-earning athlete in the world. In 2017, his net worth is valued at over $58 million, but interestingly, only around 3.5% of that came from winning races. With 11 gold medals, one silver and two relay world records under his belt, Bolt has earned the equivalent of just under $1 million from major world championships.

Unlike athletes from other countries, Jamaican athletes don’t receive any prize money for medals won at Olympic or Commonwealth games, so even though these wins haven’t directly contributed to Bolt’s bank balance, they’ve had an invaluable impact on his star power. With his headlining potential, he can command large appearance fees that reach over $350,000. He’s also been the individual winner of Diamond League races a total of 23 times and the overall winner of one Diamond League Race, which has accumulated winnings of more than $274,000.

Usain Bolt is a brand marketer’s dream! If we look at the 2012 London Olympics, more than a million entrances had been registered into the ticket ballot for the men’s 100 meter final and organizers were eventually able to charge up to £874 (approx. $1,140) for a seat. He boasts endorsement deals with PUMA, Virgin Media, Visa and Nissan among others, and also has a Regupol-sponsored, world-class running track installed at his Jamaican training venue. Bolt chooses his celebrity appearances based on his personality as much as his athletic prowess and his recent collaboration with PokerStars is a good example of that. Shortly after his retirement, Bolt became the face of the PokerStars ZOOM Poker Usain Bolt Edition, the first time the company had ever included celebrity-branded tables in its games. PokerStars is a leading global online poker platform with its own mobile casino and real money app. The company also sponsors top European poker events and has consistently partnered with some of the world’s most famous sports stars, so Bolt was in familiar company!

A large portion of Bolt’s income comes from leading sportswear brand PUMA, for which Bolt is a global ambassador until 2025. His 2016 deal with the German company netted him over $10 million a year, which helped his annual earnings to peak over $30 million for 2015-16. His current deal with PUMA following his retirement is valued at around $4 million a year. Bolt’s other major endorsement deals include a $2.6 million package with Virgin, approximately $3 million with Gatorade (plus additional bonuses when he is spotted drinking it), and over $600,000 with Visa.

In 2013, Usain Bolt peaked as the 48th highest-earning celebrity in the world, and despite his retirement from the track, we expect him to remain in the top 100 for a number of years to come. Bolt’s running career may have come to an end, but the world is his oyster. In addition to his celebrity poker endorsement this summer, Bolt expressed an interest in starring in Hollywood action movies and playing football for Manchester United! Whatever moves he makes now that he’s hung up his running spikes, it’s unlikely Bolt’s net worth will decrease soon.

 

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.

Hakkasan VIP Bar Card Review

When it comes to great night life a city that is always at the top of the list is Las Vegas.  Also known as Sin City, Vegas attracts both the rich along with the average American and tourist.  When it comes to nightlife, very few cities hold a candle for what Las Vegas can offer.  In terms of the club scene, Vegas’ Hakkasan rules them all.  Located inside the MGM Grand Hotel & Casino, the nightclub always attracts top DJs and performers.  I recently traveled to Vegas and knew I had to see what Hakkasan was all about.  To make sure I had the best time possible, I bought a Hakkasan VIP Bar Card.  While promoters can sometimes get you in for free to the club, the Hakkasan VIP Bar Card review that follows will let you know if planning for your trip in advance is well worth the money.

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Photo courtesy of Vegaster

Cost

How much does the Hakkasan VIP Bar Card cost?  It depends.  Depends on what?  The performer, day of the week, etc.  The biggest performers tend to play on Friday and Saturday nights, so you can expect to pay a little bit more during those days.  For ladies, the bar card tends to cost what the bar card costs, which is $100.  For men, the overall cost tends to be either $100 or $115 (Friday’s and Saturday’s).  This cost for men also includes a $100 bar card.

How to Use the Bar Card

The Hakkasan VIP Bar Card is very easy to use.  When you order your bar card online, you will receive a barcode that you show at the door.  This will tell the bouncer what all you receive, in this case admission and a bar card.  You are then handed a physical card that you can use much like a debit or credit card.  It’s important to note that the card is only good for the event you registered for.  If you don’t use the total balance on the card by the end of the night, then you lose out on the remaining value.  If you do use the full amount of the card (which is easy to do considering beers are $10, and mixed drinks start at $17) then you can simply toss the card out.  It is also important to point out that you can not reload the card.  After you have used up the value in its entirety you will have to pay for remaining beverages out of your pocket.

Hakkasan VIP Bar Card Review Conclusion

So now for the final determination, is the Hakkasan VIP Bar Card worth it?  Simply put, yes!  Whether you are male or female the VIP bar card has great benefit.  Firstly, you are in a VIP line and thus aren’t forced to wait in the main line.  You get expedited entry.  Secondly, if you are male, your admission is discounted on what it would be if you didn’t pay for the VIP bar card.  Admission for men can sometimes be as much as $40 just to enter.  Finally, the value of the card is substantial enough for one to enjoy themselves, but not too much where you will have unfinished funds at the end of the night.  So next time you venture to Sin City, take advantage of the Hakkasan VIP bar card.

 

Don’t Worry, Get Life Insurance

When it comes to life insurance, there’s a lot to know and understand. Life insurance is tricky and confusing. As the consumer, you don’t need to know everything. But, as with anything, it is helpful to know a bit as you start shopping for the best policy. Protecting your loved ones is important. And, even if life insurance is not the most enthralling subject, it is important to start thinking about ASAP.

Many things can impact the policy you are able to secure, and how much you will pay for it. Not only does your age and health affect your policy options, but your debt and number of dependents will also influence your policy. Where you live and your lifestyle are important factors as well. In general, the younger and healthier you are, the better rate you will be able to get on a good whole life insurance policy for you and your loved ones.

State laws have a major bearing on policies. Specifically, they have an impact on the rights of the insured. The rights of the insured can vary drastically from state to state. The consumer protection you had in one state might be irrelevant or void in another state. This is why you need to be very careful when it comes to replacing or transferring policies as you move from state to state.

Check out this easy quiz from Health IQ about the nuances of how state laws can have an impact on insurance laws. It is short but very informative. And visit HealthIQ.com/quiz for related quizzes, such as How The Medical Exam Affects Your Quote or the Pros and Cons of Group Life Insurance.

Investing in Household Improvements

It is likely that buying a house will be one of the biggest investments that you will make in your lifetime. This means that you should work towards protecting your investment. To ensure that  the value of your house goes up, you should be investing in household improvements. Keeping everything maintained and repaired will prevent your home from deteriorating over the years. Knowing which aspects of your home should receive the most attention is tricky. Allocating your time and resources to your home is a balancing act, and therefore you should focus on a few points in particular.

Replace the Roof

Having a leaky roof can be disastrous to your home. Rain can seep in and flood the house, ruining all of your possessions. Replacing your roof can be a big decision, but it will definitely pay off for you in the end! Having a new roof can drastically improve the overall look and function of your house. If you are planning on selling your house, a new roof can increase the value. A new roof is a selling point to buyers who usually seek the advice of an inspector before they purchase the house.

Landscaping

The backyard of a home can sometimes be overlooked, so do not make this mistake yourself! Backyards can bring a lot of value into your home. They can also add enjoyment to your lives, because you can spend a great deal of family time there. Taking the time to add grass and plants can improve the look of the whole property. To assist you on your landscaping journey, you can look into some good quality equipment. For example, you can browse through some of the best rated wheelbarrows and pick one out. If you are really feeling adventurous, you could try adding something bigger to your yard, such as a pool.

Kitchen Remodels

The kitchen is a room that will add the most value to your home if it is redone. The kitchen is an area that will get very high amounts of traffic throughout the day, with people coming in and out. This is why you should focus your efforts on making the kitchen look newer and updated. The finishes do not need to be high-end, but they should look functional and nice. You could update the countertop and use a higher-grade material. Repainting the cabinets can go a long way towards the overall appearance of the kitchen. Replacing the fixtures is another quick way to give your kitchen a makeover. It is the little things that potential buyers will look for and will spend more money on.

Bathroom Remodels

Bathrooms are the other major rooms that you should focus on redoing. They will bring in a lot of value with a few changes. The most important investment you can make in a bathroom is to make sure that it is functional. If you have a bathroom that is leaking or shows signs of water damage, this won’t be bringing up its value. Fix up all the possible areas that are not working. Then you can start to work on the cosmetic changes. Changing the countertop and sink is a good way to increase the value. If the bathroom is very obviously dated, it may be a good idea to bring it up to a modern style. This will make you love the new facelift, and you will not be forced to use a decrepit, unstylish bathroom.

The Small Things

If any of the reno ideas we’ve listed are not within your budget, but you still want to invest in updating your home, then consider doing various small projects. Repainting all the walls inside can really spruce up your home and give it new life. It’s also really affordable. Another great idea is to replace all the hardware like door knobs, cabinet handles, and faucets. For the exterior, try your hand at resurfacing your deck and stairs. You’d be surprised what a difference it can make.

Conclusion

If you are investing in your home, you are taking bold steps in the right direction. Houses are big responsibilities, but they will give you back everything you spent on them and more if you do it correctly. Maintaining and updating your house is important if you want to increase it’s value. This might be for your own benefit, or it might be because you are thinking about selling it. Either way, your house will shine with your efforts, and the value will be raised. Living in a house you worked hard for and love will be a great thing for you and your family! Remember that small changes can go a long way if you are not ready to renovate the whole place. Later on, when you have more saved up, you can go back and tackle the projects that you did not get to before.

How AI Will Change Business Processes

The age of artificial intelligence is still fresh but the evolution is happening so fast that it’s now agreed that AI can exhibit human characteristics. Although some prominent thought leaders have issued serious warnings about the singularity of AI and the probable threats they pose, the advantages of artificial intelligence seem to be endless.

Basically, technology has contributed significantly to business efficiency and customer experience. In the business sector, AI is not a newcomer because it has developed from the first time computers were introduced to business management. However, it is in the last few years that you can clearly envision and foresee how AI will change how business is done.
In this article, you’ll learn how AI will influence some business processes.

AI will transform the job industry landscape

Among the basic ways artificial intelligence will affect businesses is through transformation. If you know anything about AI then you probably know the risks to manual labor. Although this is not something that has been received with excitement among workers in affected positions, it should be well understood that’s what is coming in the near future.

Most manufacturing industries dealing with large-scale production see this as an attractive option. This is because it’s not only cheaper but it is also more productive and easy to manage. The precision and low tendency to make errors during production makes them an appropriate replacement for human labor.

With the full implementation of AI, business sectors like reception, customer assistance, and other administrative tasks will be transformed. Dealing with customer queries via telephone or messages will become easier and other tasks like accounting will be handled with ease and precision. In fact, some businesses have already incorporated chatbots into their systems and they are doing an awesome job. Besides outstanding efficiency, AI platforms will contribute to huge savings by most companies.

Integration and consolidation of business operations

Recent trends in business indicate that AI is an important player in the integration and most business processes. In large corporations, fragmentation of crucial business processes has posed some serious challenges and has resulted to bad synergy.

Integrating AI technology into daily operations of a business makes it possible to combine the fragmented pieces of work to make a fully functional whole. This leads to consolidated operations, employees, and systems. The ultimate effect is higher productivity, efficiency, and revenue.

Higher precision at a reduced cost

With the integration of superior AI into business operations, there will be a significant reduction in the margin for mistakes and errors that lead to losses. The higher precision achieved by AI will raise productivity and make businesses less risky.

The computing capability of AI programs is superior to humans and this facilitates processing of voluminous data in a short time. For instance, businesses in the financial sector have reaped benefits by utilizing technology in their business processes. Lending companies with online based platforms have an integrated underwriting process that works on its own. This has not only led to more business but the system has made realistic loans service better by ensuring that you are matched to the perfect loan product.

The technology has made the operations cheaper even though the level of precision is higher than you’d get with human labor.

AI guarantees superior enterprise mobility

With artificial intelligence, businesses will adapt more to the new model of working. Currently, there is a shift in how employees work with huge numbers preferring to work remotely or from home. In the future, more organizations will offer their employees the option of working from anywhere in the world. This will help employees to be in charge of their working environment and schedules which leads to increased motivation and productivity.

The arrangement also allows employees to get new skills easily and become competent at their jobs. The good thing is that you don’t need to present yourself physically to acquire the skills offered in training.

Feeding the increasing population by agribusiness firm

The world population has been on the rise and the trend is expected to continue for over the next few decades. However, the current methods of food production seem to lag behind. Today, AI is being incorporated into farming techniques to ensure productivity.

Deep learning has been used to monitor thousands of cows by using facial recognition to identify the needs of an individual cow with minimum human involvement. This technology will be able to accurately identify signs of disease before it has become fatal and notify the farmers for immediate action.

In the future, huge tracts of land will have many sensors which will work in conjunction with real-time imagery drones to monitor the crops. This will make it possible for farmers to predict what their plants will need even before they have planted. As a result, the process of food production will become easier and efficient.

Conclusion

As time goes, AI is becoming an integral part of a business and it is no longer a reserve for big corporations. Today, small startups have embraced the use of this technology and the future is getting brighter day by day. Although there are concerns and heated arguments about AI, the technology is getting better and better and it’s upon business owners to figure out which is the best way to take advantage of this innovation.