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10 must-have items for a complete wardrobe

10 must-have items for a complete wardrobe

Fashion enthusiasts or not, most people try to look classy, stylish, and appropriate for every occasion and experiment with styling options for different events. With new drops every few months, you get access to a wide array of clothes and accessories, making it tougher to decide things to buy and things to skip. To make the decision easier for you, here are 10 basic items that every closet should have:

  1. All-purpose knitwear
    Whether you prefer a fancy cashmere sweater, or something light and breathable, knitwear is a must-have. To dress it up, pop a knitted cardigan or coverup over your shoulders in the spring.
  2. Denim
    No wardrobe is complete without a pair of denim jeans. Whether high-waisted or low-waisted, skinny or flared, there is something for everyone.
  3. White shirt
    A white button-up shirt is a versatile must-have. Wear it with a blazer for a formal look, or pair it with a knitted skirt for effortless evening wear.
  4. Tailored trousers
    A relaxed but tailored pair of trousers can elevate any basic look. Trousers in neutral shades like camel or beige are a great choice to match with absolutely everything.
  5. Sneakers
    A great pair of sneakers are a staple for your closet. The perfect choice to run errands in, sneakers are practical and comfortable accessories.
  6. Striped T-shirt
    The striped tee (or marinière) has been a symbol of timeless French fashion since the 1850s and can be easily dressed up or down depending on the occasion.
  7. Leather jacket
    Leather jackets (or faux leather jackets) are a great investment as they can make any outfit look effortlessly cool.
  8. Classic coat
    A longline, tailored coat is a chic addition to basic outfits. Get them in an oversized fit to layer over any knits to wear them all year round.
  9. Basic T-shirt
    Basic tees are a no-brainer. For days when you can’t make up your mind about your outfits or don’t feel like dressing up, basic tees are the perfect solution.
  10. Ribbed tank
    Elevated versions of basic items like tank tops offer a classy look effortlessly. Opt for ribbed tanks instead of regular ones to transform your wardrobe.

Creating your dream wardrobe doesn’t have to be difficult, especially if you get monthly subscription clothing boxes. With Stitch Fix or the Trunk Club monthly subscription boxes, you gradually add basics and statement pieces to your wardrobe so that you can show up everywhere with style.

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5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
4 services Medicare does not cover

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Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days.
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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.
Reverse mortgage eligibility and its criteria

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As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

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