As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.

Multiple sclerosis (MS) is a neurological disorder that affects the central nervous system (CNS). Due to this disorder, your immune system attacks myelin, which is the protective sheath covering the nerve fibers. As a result, communication between your brain and body is hampered. Causes of multiple sclerosis The exact cause of multiple sclerosis is still uncertain. However, some factors that cause this disorder are as follows: Immune system If the immune system is compromised, it may attack the CNS. The myelin protective sheath is affected, thereby disrupting the functioning of your brain, resulting in multiple sclerosis. Infection Certain viruses and bacteria can cause multiple sclerosis. Some viruses cause inflammation that breaks down the myelin, triggering multiple sclerosis. It is possible that brain-cell-like bacteria and viruses can cause the immune system to erroneously identify normal cells as foreign cells, thereby destroying them. Some of the viruses and bacteria that can cause multiple sclerosis include Epstein-Barr virus, measles viruses, and human herpesvirus-6 causing disorders like roseola. Genetics One can be highly susceptible to multiple sclerosis if one has a family history of this disorder. The possibility of one developing this disorder in such instances increases by 2.5% to 5% in the country.

As technology gets more advanced, companies that specialize in information technology are taking steps to update their cloud data and data analytics processes. There are companies that provide cloud data integration for the smooth functioning of business operations. Here is a list of the top providers of cloud data integration. Amazon Web Services Amazon Web Services was the first company which provided cloud data integration. The popularity and the stature of the company has grown manifold and it has expanded into providing a wide array of different services to its customers. It made processors based on the Arm technology and soon enough, that became the norm in most companies that specialized in providing cloud data integration. It created a major shift in the cloud storage technology space when it brought out a second-generation Graviton processor. Every year, the company has registered a huge growth in its revenue stream. In the recent past, Amazon Web Services launched the AppFlow, which is aimed at designing SaaS workflows. Microsoft Azure Azure by Microsoft would probably be the most sought after provider of cloud data integration after Amazon Web Services. It is one of the best commercial cloud services offered by the company. Microsoft Azure pitches itself as a service provider of software that one needs to store information.

On average, a person spends a minimum of three to four hours on their phone every day. But, when it comes to convenience, there can never be something like too much. So, if you add a few accessories to your already powerful Samsung phone, it will only simplify your life further, making it more organized and easy. Be it phone holders, selfie sticks, power banks, or data cables, here are a few amazing accessories that are a must for all. Power Banks While Samsung phones have numerous benefits and can help you multitask with ease, there are some cons you cannot escape. For example, if you use your phone more, the battery will drain faster, be it 4000mAh or 5000mAh capacities. Now, of course, if you are home, it is easy for you to put your phone on charge; but what do you do when you forget your charger at home, or you are out with your friends and your battery runs out? There may also be situations wherein you do have a charger, but there’s no charging port available. In such a scenario, a power bank comes handy. It is definitely a Samsung accessory everyone should familiarize themselves with.

One of the toughest tasks for any organization is the process of evaluating its employees every year to determine their performance. This where an employee evaluation software can make the process simpler and more systematic for the Human Resources (HR) department. Here’s is a list of the best software providers for employee assessment. BambooHR It is a human resources information system that makes the role of the HR team more effective. This cloud-based software offers a great range of employee information management options, which will help to keep an eye on their performance. This is an affordable software and ideal for small and medium-sized businesses. Engagedly When it comes to employee evaluation, today’s business needs a modern approach, and that is exactly what this employee evaluation software offers. It engages employees in the process of performance evaluation, making it possible for the system to be more simplified and save a lot of time. UltiPro This Cloud-based software offers a range of amazing features that make employee evaluation more effective. UltiPro comes with features like feedback, compensation management, evaluation history, development plans for individual employees, rating scale with customization options, on-going tracking of performance, goal-setting, skill assessment, and peer appraisal. Workday This employee evaluation software helps with the growth of your business by offering more insight into the workforce.

An ideal smartphone for business is one that pleases you, delivers phenomenal value for the money, and on-the-go processing capabilities. It might not be easy for you to judge the usability of the handset simply by browsing the Internet. So, to help you, we have come up with a list of some of the best android smartphones that you can invest in right away. A good business smartphone is one that is capable of running all the latest apps that can help you with your business. So, from helping you connect with your business phone service to privacy services and PDF apps, a good business smartphone is capable of doing it all. Blackberry Key 2 Blackberry might not be the number one in the smartphone market, but the company still develops some of the finest business smartphones. Blackberry Key 2 is an Android run smartphone that was marketed as “an icon reborn,” primarily because Blackberry retained its classic keyword but improved it by adding a speed key button and increasing the size of the keys by 20%. Features of Blackberry Key 2 Long battery life, lasting you two days Qualcomm 660 processor A newer larger and more intelligent keyboard BlackBerry DTEK app that makes it incredibly secure Photos and files can be secured with the BlackBerry Locker The option of storage space of 64 GB and 256 GB 6 GB RAM Samsung Galaxy S20 If you need the best android smartphone that’s great for your business and is affordable at the same time, this 5G phone from Samsung should be your preferred choice.

The iPhone brand has been the father of smartphones since its inception. The first iPhone was introduced by Steve Jobs in 2007, which changed the game for smartphones with its multi-touch and camera capabilities. Since then, there’s no stopping Apple. In 2017, on its 10th Anniversary, Apple revamped the game again with the introduction of the iPhone X. This revolutionary iPhone paved the way for subsequent future iPhones as well, let’s have a look.   iPhone X This was the first iPhone in which the Home Button was replaced by clever software gestures. It had a 5.8-inch edge-to-edge high-resolution OLED display panel a better notch-superior than the previous generation’s LCD panel. The advantage of OLED is that color reproduction is way better, and it is certainly more power-efficient than the past models. As for the security, Apple ditched Touch ID and replaced it with the new biometric, Face ID. The front selfie camera, that was embedded in the notch of the iPhone X, was an added style plus. It created a 3D model of the user and worked in low-light with an infrared camera. In this model, there were two camera sensors on the rear with one telephoto lens and one wide lens.

Asia is a beautiful continent and is home to some of the most exciting destination travel options. With so many exquisite countries to visit, the task of picking the best once can be a bit overwhelming. Well, fret not! Given the availability of affordable flights in-between prime hubs of Asia, you can certainly visit a couple of top destinations in Asia on a single trip. You can pick any one of the listed destinations below for your next destination travel trip. Chiang Mai, Thailand A lot of travelers visiting Thailand prefer its northern capital over Bangkok. The Old City of Chiang Mai is bustling with tourist activity all year round. The most beautiful thing that you’ll witness here is the welcoming and calming smile of monks. Happening night markets, a multitude of cultural festivals, beautiful temples, and sprawling mountains for trekking– Chiang Mai has something for every type of traveler. Every year the city gets a footfall of more than a million travelers that leave the destination enriched with hope and satisfaction. When in Chiang Mia, make sure that you take a tour of the magnificent riverside village, Pai, which is located only a few hours north of the city. Penang, Malaysia If you are looking for a destination travel trip where you can relax, unwind, and experience mouth-watering cuisine, then Penang in Malaysia is the right destination for you.

If you run a small business, payroll software can help you manage all the particulars and activities regarding your employee workforce. If you have 50 to 100 employees, it can get a little difficult to keep track of all the payslips, tax files, and other important employee details. That’s where payroll software for small businesses come in. Let’s look at the top software options you can choose from: Gusto Hailed as one of the best payroll software for small businesses, Gusto offers a comprehensive system with intuitive software that can help you handle a variety of employee-related matters. These include employee pay stubs and tax forms, benefits and payroll reports, health insurance, state and federal unemployment insurance, PTO tracking, direct deposit facilities, wage garnishments, automated tax filings, and unlimited payroll runs in all 50 states. The interface is easy-to-use, and the brand offers a free demo as well. Unlike other software, Gusto does not charge extra for features like automated billing, health benefits, online estimates, and workers’ compensation. ADP This software can take HR and payroll off your hands, easing your burden if you’re managing a small business. It handles all the time-consuming tasks for you, ranging from managing employees’ 401(k) accounts to filing payroll taxes, and it also takes over tasks like onboarding, hiring, and recruiting.

All of us have daydreamed about traveling business class when we make a steady shuffle from business class to economy. Yes, it lures us with its spacious cabins, and luxe and cushy comforts. So, is it worth flying in a first-class or business class flight? Let’s discuss some of the best business class flight features that will prove that it is worth every penny. Priority check-in For travelers traveling business class, the check-in process is a lot more convenient and easier. You don’t need to stand in the long queue to finish your check-in procedure. Go ahead and sit down at the waiting room seat while the staff handles the check-in for you. Extra baggage allowed Now, this completely depends on the policy of the airline. However, irrespective of the airline you are traveling with, the permissible baggage allowance for a business class is certainly more than economy class travelers. So, if you are a shopaholic, it could be a huge plus. Access to the special lounge Ahead of the boarding time, business class travelers can wait in the exclusive lounge dedicated to them. Again, it might vary from airline to airline and airport to airport, but in most lounges across the globe, you’ll get scrumptious snacks and food.

For holiday goers and frequent vacationers, cruise holidays around the North American continent are an excellent choice. Cruising along the west or the east coast of the beautiful continent is truly a delightful experience and lets you experience the culture uniquely. Fortunately, there is a myriad of different cruise vacations available all around North America. Here are our top choices: Eastern Coast of North America There are several things to do during your cruise holiday to the eastern coast of North America. It is not only ideal for a memorable cruise holiday, but is also a great pick for luxury holidays, family trips, honeymoons, luxury holidays, and even an activity-based holiday. In the cruises around the eastern coast of America, you’ll mostly cover South Carolina, Boston, Florida, New England, as well as New York in the United States of America, and Nova Scotia and Montreal in Canada. Western Coast of North America As for the Western Coast of North America, there’s an equally exciting range of things to do. On your cruise, you can take an exciting and fun family trip to Vancouver, venture the lively and vibrant San Francisco city, relax and unwind on the beaches in California, enjoy a wholesome experience along with fantastic music in Seattle, or take a tour around various ports like those in British Columbia, Oregon, or Washington.

Be it for college visits, business travel, love for history and art, or the delicious food, several thousands of people visit Boston annually. Now, the good thing about Boston is that, much like most of the other aspects, the city has some of the finest range of hotels. Of course, you can find a hotel to cater to your budget, but if luxury is what you seek, our selection of the top four luxury hotels in Boston will certainly excite you. Four Seasons Hotel Known for its incredible health club, phenomenal service, a beautiful park-front location, clean pool, 273 spacious and luxurious rooms, and an iconic restaurant serving lip-smacking delicacies, the Four Seasons Hotel in Boston attains a well-deserved number one spot in this list. The guest room bathrooms are also great, superior to the ones you’ll find in some other top-notch hotels of Boston. Nonetheless, the service you get is unprecedented. The hotel staff pays attention to the minutest details and is proactively helpful. Furthermore, the iconic location of the hotel, right next to the city’s Public Garden, only adds to its charm and beauty. Mandarin Oriental Founded in the year 2008, the beautiful Mandarin Oriental is rightfully a close second on this list.

For women trying to conceive or wondering if they may be pregnant, one of the first signs to watch out for is a missed menstrual cycle. Although several other symptoms can point to the possibility of a pregnancy, it’s always best to visit a doctor for confirmation. Read on to know the common symptoms of pregnancy: Missed period If a woman in childbearing years experiences a delay of over a week in her menstrual cycles, it may indicate pregnancy. That being said, missed or irregular cycles could also be a result of health issues like thyroid problems. So, women should also keep an eye out for the other symptoms mentioned here. Fatigue Being more tired than usual could be an early symptom of pregnancy. When a woman is pregnant, the progesterone levels in her body rise, which causes her to feel sleepy and tired. Frequent urination During pregnancy, the quantity of blood flowing in a woman’s body increases, causing the kidney to work overtime. This places extra pressure on the bladder and leads to more frequent urges to urinate. Nausea or morning sickness This may be accompanied with or without vomiting, and this pregnancy symptom is also known as morning sickness.

Sexual conditions or sexually transmitted diseases (STDs) generally affect a person through sexual contact. STDs are caused by bacteria, parasites, or viruses, which mainly enter the body through semen, blood, or other bodily fluids. They can enter the body non-sexually too; for instance, an affected person’s blood is used during a transfusion or if they share a needle with a person who has any form of STD. Herein, we discuss the various symptoms of a few sexual conditions. Symptoms STDs may have a range of symptoms or no signs at all. It mainly depends on the type of STD one may have. Here is a list of some common forms of sexual conditions and their symptoms. Chlamydia It is a bacterial infection that affects the genital tract. The symptoms may start to show a few weeks after the exposure. The most common symptoms include painful urination, abdominal pain, discharge from the penis, pain during intercourse for women, and testicular pain. Gonorrhea This is another bacterial infection that affects the genital tract, mouth, eyes, throat, and anus. Sometimes, the symptoms may take 10 days to show, or even months. The common symptoms of gonorrhea are thick or bloody discharge from the vagina or penis, burning sensation or pain during urination, heavy menstrual bleeding, swollen testicles that pains, painful bowel movements, and anal itching.

Skin problems are of several types, with varying symptoms and triggers. They don’t always last for a long time, and some skin diseases can be almost painless too, albeit mentally and emotionally traumatizing. As they’re so common, there are well-established treatments for almost all skin diseases. However, there is still a lack of proper knowledge about what can trigger them. Read on to understand the skin issues better. Symptoms There are various symptoms of skin conditions, depending on the type of issue you have. However, you must keep in mind that skin roughness or blisters may not be caused by skin-related issues at all. These can be caused by wearing a new shoe or a rough fabric. Some of the symptoms that are actually caused by skin problems include white or red raised bumps, an itchy or painful rash, rough skin, ulcers, peeling skin, open lesions, cracked and dry skin, fleshy bumps, discolored patches, changes to the mole size or color, warts, excessive flushing, and loss of the skin pigment. Causes The skin problems can be caused by a variety of reasons. The most common ones include bacteria that are trapped in hair follicles or skin pores, microorganisms that are living on your skin, different viruses, weak immunity, coming in contact with irritants or allergens, genetic factors, a variety of illnesses, and certain lifestyle-related factors.

Sleep disorder is a medical condition that adversely affects your regular sleeping pattern. It has a direct impact on your health and the quality of sleep. This, in turn, paves the way for several other health problems and makes it difficult for you to go about your day-to-day activities. Types of sleep disorders Insomnia This is a condition in which a person finds it difficult to fall asleep at night or during other hours. Sleep apnea It is a condition in which a person suffers from irregular breathing patterns when they are sleeping. There are different types of sleep apnea. Restless legs syndrome It is a form of sleep disorder that is also referred to as Willis-Ekbom disease. It causes an unnatural and discomforting sensation in the legs. You also feel an uncontrollable urge to move your legs when you are trying to sleep. Narcolepsy This is a condition in which a person feels tired and sleepy throughout the day. Symptoms of sleep disorder Finding it difficult to sleep A sense of fatigue during the day Feeling a strong urge to sleep during the day even after sleeping for a good number of hours in the night Feeling irritated Suffering from anxiety Not being able to concentrate Suffering from depression Causes of sleep disorder Allergies Different kinds of allergic reactions, like cold and sneezing, make a person uncomfortable while sleeping.