Auto

What blesses you with a healthy night sleep is your cozy and comfy mattress. Thanks to the technology, the advanced mattresses are perfect for a variety of reasons including superior support, comfort and health benefits. However, if your mattress isn’t stored well, you may not be able to enjoy a good night sleep. A lumpy mattress can cause you a variety of problems including back pain, discomfort, stress and more. In order to ensure you do not suffer with such mattress related problems, it is important that you store them perfectly. Here is an ultimate guide for storing your mattress and bedspring perfectly.

Step-by-step guide to pack your mattress perfectly:

Packing the mattress with perfection is a simple 4 step process. However, doing each step with perfection and focus is important to safe keep your expensive mattress as well as your night sleep. The entire process is explained in step below for easy understanding and execution:

• Disassembling the bed frame:

Bed frames are huge and heavy, in order to move them from one place to another, the best way out is to disassemble them. You must take out all the screws, nuts and bolts and store them safely. An easy way of storage is using a plastic bag which can be plugged to the headboard with the help of tape. This way you will know where you have kept the tiny parts once you are at your destination.

• Cleaning the mattress:

Cleaning the mattress is very important. With dirt and debris making home in the mattress over the time, it becomes a breeding ground for many bacteria as well as pests. To ensure you have a cleaner and safer mattress, you must clean it thoroughly. You can use a mild cleaner for the same. A high-quality upholstery cleaner is perfect for the job. Once you have removed the visible dirt and debris, use a vacuum cleaner to take out all the hidden impurities.

• Protecting the mattress:

Experts recommend using a mattress cover while storing or moving an expensive buy. The cover keeps dirt, dust and debris at bay and also protect the mattress from direct contact of moisture.

• Storing at the right place:

Because moisture can be harmful for your mattress, you need to make sure that you store your mattress in a dry and cool place. Your garage, attic or basement might have exposure to moisture and other elements, thus, to store your mattress with safety, you can pick a public storage. These storage facilities have climate controlled units that prevent harm from moisture. Also, you must store your mattress flat in order to keep the shape and springs in their best state.

In case of a box spring storage, you must avoid placing any item over it. Extra weight can damage the box spring and you may lose the extra comfort you derive from it.

Doctors recommend 8 hours healthy sleep for a healthy mind and body. Next time you are moving houses, use this guide to store your mattress and enjoy sleeping in your comfortable mattress after a tiresome moving schedule.

Gone are the days of long sweaters & fluffy coats! Summers are here & so are our days to try out new trendy pieces of clothing! On one hand where summers give us a freedom to dress up in a huge number of ways, one also needs to make sure that one doesn’t become a sweat monster! You need clothes which are high on fashion but are higher on comfort. They are easy –breezy & are made of light fabrics.

You have many options to choose from: a single t-shirt paired with a frilled skirt, a pair of denim shorts or even a palazzo! I am sure, you would have considered all these options already, but there is one magical piece of clothing that you all might have missed which can actually handle your fashion needs & summers perfectly.

Wondering what these are? You already know the answer, they are none other than your all-time favourite designer crop tops available in abundance online & offline. To top it all, there is not just one way of wearing them. You can experiment with crop tops a lot, pair it with different pieces & rock the same crop top in a number of ways. Here are a few ideas that you can consider while thinking of wearing crop tops:

1. Pair it with a skirt: We are sure that you have a skirt which is your favourite, full of colours & patterns! Bring them out & pair it with a crop top for a chic look which will make you look exceptionally beautiful & will be extremely comfortable, keeping summers in mind.
2. Get high waist-ed: Try the good old high waist jeans! This will add a perfect balance to your look. Since the hem of your crop top is short, adding some length to your waist will look wonderful.
3. Match it to rock it: Go retro, order a printed and graphic crop top online & pair it with a trouser or skirt with similar print. A matching look will look extremely appealing & add a touch of elegance & style to your look which will be extremely refreshing!
4. Mid way is the trendy way: Crop tops with a bright mid length skirt look absolutely stunning! Just be a little careful around the colour combination here. Don’t go for a dull skirt that looks drab.
5. Choose a blazer to look blazing hot: Wondering how can you rock a crop top for a formal meeting? Just pair it with a nice blazer & a formal trouser & you will be ready to rock any formal meeting!

Having given you some styling hacks around crop tops, let us also talk a little about the sites which offer crop tops which will help you beat the heat in style. Apart from the mainstream brands, there are many sites which are nowadays coming up with custom women crop tops online which are of highest quality when it comes to design & quality in terms of fabric & services.

To conclude, one can say that you can trust crop-tops when it comes to finding trendy solutions for summers which are high on quality & fashion. The key is to keep on exploring & experimenting. The online market is huge & forever expanding & evolving, so keep on having a look at the same!

Australia, a dainty little continent in the south of the globe, is a major tourist hub. There are several amazing employment opportunities in the developing Australia. Coupled with sweet residential and tourist destinations, Australia is one of the preferred place to settle in.

Like every other government, Australian government has imposed some proper guidelines and rules to categories and process the immigration applicants. There are several types of visas and different types to acquire them. Depending upon your situation, motive and duration of stay, you can apply for specific visa and follow the process to complete them.

If you are set to reside in Australia on behalf of a lovely job opportunity, you can avail direct entry stream resident visa Australia. There is a specific criteria to avail this benefit and certain process to be completed. Here is some handy information about it;

What actually is direct entry stream?

Direct entry stream is a part of Employment Nomination Scheme or ENS. It is a PR type of visa, which allows you to permanently reside in Australia. It is granted to skilled workers, who might seem as a bright prospect for employment in Australia. As the name suggests, this visa works on nomination of an employer. The immigration department can get this application direct for processing, if it has been through ENS. There are, of course, several criteria which must be satisfied, in order to acquire direct stream entry visa for Australia.

1. The Age factor – When you apply for the visa, you must be below 45 years of age. There has to be attached proper proof for it. However, the creamy layer of academics, often include senior scientists and members. In few such cases, exceptions are made for senior researchers and scientists, medically expert etc, if there are special nominations for university.
2. Skill set – There are several filtering processes, and this is one of the main factor. You must have an extensive skill set in your field of expertise, and at least 3 years’ worth of experience in the same field.
3. Occupation status – The visa rules state that the employer nominating you must employ you for at least 2 years. The position must be full – time and the employer must satisfy the ‘Salary and Employment Condition Requirement’ as prescribed by the government. The occupation must be listed in the ‘List of Eligible Occupations’ of visa department.
4. Other specifications – There are few other specifications like English proficiency proved by some English language test like TOEFL, health and character requirements and of course criminal or fraud record. There is a simple fitness test and certain vaccine formalities before acceptance.

This visa costs around 3600 Australian Dollars and will allow you to stay and study in Australia indefinitely. Your spouse and children (ifany) are allowed with you, but they have to bear some extra cost. Over the time, you are allowed to apply for Australian citizenship.

Enjoy complete peace of mind with a good term Life Insurance Policy

You love your family but hate to think of what will happen to them after you’re gone? Hectic lifestyles and busy schedules are taking its toll on thousands of people every day but buying term life insurance is not a decision you should put off anymore.

Analysis Of Term Life Insurance

Term life insurance covers you and your family for a certain period of time, like 10, 20 or 30 years. It is the least expensive insurance and is sufficient coverage for most families. Buy a term plan that will last till your kids have grown up, your home is paid off, and till you’re financially well-off.

Premium amount

The premium amount for term life insurance is on the lower side as compared with other insurance plans, and it increases as your age advances. If you’re in your twenties, you should consider buying the policy now, as buying it later may make the premiums more expensive.

Sum Assured

You should buy a sum assured equal to almost 10 times your annual income. So, if you’re earning INR 5 Lacs per year, then opt for a policy of INR 50 Lacs.

Term of the policy

The insurance cover you opt for should be till your retirement age. So, if you plan to retire at 60, and you’re 30 now, you should take a cover for 30 years. The term of your policy is also referred to as a cover ceasing age by insurance companies.

Tax Savings

Term life insurance policies offer tax savings on the premiums paid up to the amount of INR 1.5 lacs under Sec 80C of the Income Tax Act. Some companies offer new-age term plans with critical illness cover and additional tax savings benefits under section 80D on the premium you pay up to the amount of INR 25,000. You are also eligible for tax benefits under Section 10(10D) on the amount your family will get in case of an unfortunate life event.

Easy Online Purchase

You can buy term life insurance plan  online through the web portal of the insurance company or web aggregator websites like Coverfox.com where you ca compare plans of different life insurance companies. Buying it online will be easy and cheap in comparison to offline insurance policies.

Best Term Life Insurance plans in India

Here are the 4 best Term Plans in India:

HDFC Life Click2Protect 3D Plus

This term life insurance policy is a superior term plan which protects your family’s future in the event of an unfortunate life event.

Some of the best features of this plan are:

• The benefit of a whole life cover.
• On the diagnosis of a terminal illness or death of the life assured, you get a lump sum pay-out.
• It has a survival benefit in a select plan option.
• Get monthly income and be financially stable.
• Premiums can be waived off in case of an accidental total permanent disability or a critical illness.

ICICI Pru iProtect Smart

This term plan is one of the top selling plans online from ICICI Pru and has a 96.68% Claims Settlement rate.

Some of its best features are:

• Premiums are low
• Option of receiving pay-outs in customized ways
• Your loved ones get paid the life cover on the diagnosis of terminal illness
• Get a life cover up to 75 years of age
• Option of Accidental Death rider

Max Life Super Term Plan

This unique term plan takes care of your family’s needs if anything happens to you.

Some of the best features of this plan are:

• With this plan, your family gets an increasing life cover option, which helps them counter inflation.
• It gives you a comprehensive insurance cover in low premium amounts.
• The option of selecting the pay-out as either a lump sum pay-out or a lump sum plus increasing monthly income.

SBI Life – Smart Shield

This term plan from SBI provides financial security to your family in case of an unforeseen situation in your family.

Some of its benefits are:

• In case of death of the life assured, the nominee receives benefits either as Level Term Assurance or Increasing Term Assurance
• The plan is eligible for tax exemptions as per section 80C of the Income Tax Act.
• Enhance your life cover with 3 rider options of Accidental Death Benefit Rider, Accidental Total and Permanent Disability Benefit Rider, and Criti-Care 13 Non-Linked Riders.

Conclusion

Life can be much more enjoyable when you have secured your family with a term life insurance. So, if you’re a working person with a family and still don’t have term insurance, then make term life insurance your best friend today and have complete peace of mind.