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Bicycling is a widely enjoyed activity that carries a multitude of health benefits along with being a very environmentally friendly means of transport. However, riding a bicycle also requires wearing the proper safety equipment to ensure that the rider is well protected when accidents happen. A bicycle helmet is an especially crucial accessory that all bicyclists should have on that'll decrease their risk of severe head injuries.

While choosing a good bicycle helmet may seem easy enough, there are actually many important elements to consider. We here at Wise Bread have done the research for you, and we're happy to present our top five list of the best bicycle helmets you can buy.

Johnny Cash once described country music as, "three chords and the truth." Now, the hard-drinking Man in Black may not have necessarily been talking about work habits, but it turns out country is full of work wisdom.

The value of putting in a solid day's work was a consistent theme of my Southern upbringing. We valued a strong work ethic so much that I spent more than one Christmas morning raking leaves for my grandfather (after presents and breakfast, of course). Like almost anything, the workday is better with a soundtrack, and as a kid mine was country music. Lately (and surprisingly), those lyrics have been coming back to me, providing with much more than just different ways to execute a party in the back of a truck.

Here are five work habits I've learned from country music.

Do you ever wonder if you're being too stingy or too generous — or if you're supposed to tip someone for their services at all? What about when you go on vacation: do the rules change? And what is the "right" amount to show appreciation for service providers at the holidays?

Well, wonder no longer, because it's all here in Wise Bread's guide to tipping for (almost) every situation.

Dining — In or Out

Eating at a 5-star restaurant is different than a counter-service joint. Here's the lowdown on how to tip for food-related services, based on advice from the Emily Post Institute, run by the family whose name is synonymous with etiquette.

Anyone bringing home a steady, reasonably sufficient paycheck can save. Not only that, but saving is one of the simplest acts of money management that you can engage in, and there are a lot of ways to make it happen. (See also: 101 Easy Ways to Save Around the House)

To help you get started, try some — or all! — of the 10 of the most low-effort strategies for stocking your rainy-day fund.