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3 apps that can help improve credit score

3 apps that can help improve credit score
A credit score is a measure of one’s creditworthiness, usually presented as a 3-digit number between 300 and 850. If one has a higher score, it makes one a better candidate for loans. However, a bad credit score can make it challenging to obtain loans. Fortunately, some apps available in the market can assist one in improving one’s credit score. Continue reading this article to learn about the best apps to help improve a bad credit score. 3 apps to help improve a bad credit score Credit Karma With an experience that spans more than a decade, Credit Karma is one of the best apps to consider when trying to improve a bad credit score. One may come across various beneficial tools that can trigger changes in the credit score while using this app. This includes access to one’s credit report, tips to increase credit score, and even products that can prove beneficial in saving money. Experian As a credit-building software, Experian gives its customers access to adaptable and straightforward offerings. This comprises access to FICO and Experian credit scores, the Experian Boost feature, credit score change alerts, and credit card recommendations. All of these features are available to users for free, providing them with easy access to all the necessary information.

5 credit card mistakes to avoid

5 credit card mistakes to avoid
Today, digital transactions have become the norm. This has made safeguarding one’s financial information all the more important. Sadly, credit card fraud remains a prevalent concern, and numerous victims are falling victim to the evolvingly cunning tactics employed by cybercriminals. One way individuals can safeguard themselves from fraudulent activities is by avoiding some credit card mistakes that leave them susceptible. Avoiding these mistakes can significantly bolster their defenses against potential threats. Neglecting strong password Most individuals prefer using easy-to-use and easy-to-remember passwords to offer them easy access. However, easily guessable passwords such as birthdays and phrases can make things easier for cybercriminals. It is advisable to opt for complex passwords comprising a mixture of upper and lowercase letters, numerals, and special characters to avoid granting them unauthorized access. Regularly changing passwords and employing a password manager can further fortify online security. Disregarding secure websites for transactions Another grave mistake credit card users make that makes them susceptible to fraud is entering their details on unsecured websites. This is one place where cybercriminals exploit vulnerable sites to harvest sensitive data. To mitigate this risk, individuals should only transact on secure websites. Checking for “https://” in the URL and looking for a padlock icon in the address bar are some telltale signs of a secure connection.

5 amazing Samsung phone accessories to own

5 amazing Samsung phone accessories to own
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.

4 mistakes to avoid while browsing the web

4 mistakes to avoid while browsing the web
The Internet has become a crucial part of our day-to-day life. If you consider the amount of time you spend glued to a screen, you will realize just how web-dependent life is today. And this is excluding the time spent working. With increased reliance on devices and cloud storage, we must sit up and take note of common internet mistakes, especially since they can be making you vulnerable to online threats. Relying on public WiFi You would be hard-pressed to find more than a handful of people that do not love the idea of free WiFi. The caveat in being connected to a public WiFi is that you might expose yourself to unsafe surfing practices. Especially if you are trying to make the most of the WiFi connection available at airports and cafes and using it to access sensitive or personal data, you could end up with a malicious threat planted in your devices without you even realizing it. Reusing password It is easy to find people who prefer using the same password across various platforms, irrespective of its strength. This can mainly be attributed to the person’s desire to avoid confusion and the task of remembering different passwords for different platforms.

5 easy steps to make a successful VA loan application

5 easy steps to make a successful VA loan application
Veterans or those on active duty can avail of VA loans for any financing purposes. The federal government guarantees these loans. However, to get them, there are specific steps to be followed for successful application. These steps include everything from looking for the best VA loan lenders to maintaining a stable credit score. Here are a few easy steps to make a successful loan application for veterans. 1. Get preapproval for the VA loan With preapproval, you can determine your budget. This process involves telling your VA loan lender about your homebuying goals, employment history, and military service. Some documents required during this process include copies of your driver’s license, DD-214 or Guard/Reserve points statements, recent pay stubs, and bank statements. 2. Look for VA-approved loan lenders Always shop for a lender who is an active participant in the VA loan program. The best VA loan lenders would offer several options and deals. The deals generally differ based on discount points, interest rates, and VA closing costs. If you face any difficulty, a loan officer can help you find the right VA loan lender. 3. Get an eligibility certificate A certificate of eligibility or COE is proof that you have met all the eligibility criteria for the VA loan.

Tap water side effects and benefits of a water purifier

Tap water side effects and benefits of a water purifier
Tap water, while safe, is not the recommended source of drinking water, according to studies. The US Environmental Protection Agency (EPA) regulates the drinking water regulations in the country. According to the EPA, anything other than water molecules is considered a contaminant. However, some of these contaminants are safe at certain levels. This article discusses the safety of tap water for drinking, its side effects, and a few reasons why a water purifier is needed. Possible contaminants in tap water Some chemical compounds that could make their way into tap water include industrial runoff, pesticides, lead, mercury, and even arsenic. Other contaminants include bacteria, viruses, and parasites. There could also be contaminants from human-made nuclear waste and uranium or radium deposits in the ground. Side effects of drinking tap water Arsenic can cause partial paralysis, blindness, discoloration of the skin, vomiting, numbness in hands and feet, stomach pain, and diarrhea. Chlorine can cause chronic cough, chest tightness, airway irritation, sore throat, and breathing difficulties. Fluoride may cause severe skeletal problems and also fluorosis. Pesticides can develop extreme weakness, headaches, allergic sensitization, and also eye and skin irritation. Bacteria like E.coli can affect the stomach, causing diarrhea, abdominal pain, cramping, vomiting, and nausea.

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Website building with Square Online

Square Online provides e-commerce tools and services to help businesses set up an online store. Business owners can easily build a new website with the Square and begin selling their products. If your growing newly venture needs an e-commerce scale-up, you can create a fully functional digital store in minutes. Let’s look at what you can avail with a Square Online website. Features you’ll get with a Square website When you create a webpage with the Square website builder, you’ll be able to choose marketing features, interface customisation, and social media integration. The integrative features like syncing with Square POS lets you create an e-store that is set for growth, aling with the option of setting up contactless pay options for seamless transactions. Moreover, Square Online has a to-the-point dashboard that has great analytics so that you can easily map a customer’s journey on the site. The best part is that you don’t need any coding experience to set up a website with Square Online; it’s easy, quick, and efficient. Square website building costs If you want to simply try the platform to see if it works for your business, start by building a website for free with Square Online. There’s one condition though: you have to pay when you make a sale. Square will take 2.9% + 30¢ for every purchase made. There are other options too. like Professional, Performance, and Premium. We particularly like the Performance set up because it is economical at around $26 per month. And you get to publish customer reviews on the site and send emails to potential buyers who have abandoned their carts. The Premium option is the most expensive set-up costing around $72 per month, but you get additional cost-cutting features. Good alternatives to Square Online While Square Online has amazing features, it is not the only option for setting up an online store.

Popular DIRECTV packages to avail of

DIRECTV deals on TV packages are quite popular among customers looking for affordable and reliable television services. This service provider is known to offer great value for money with their innumerable plans. Moreover, several DIRECTV promotions are offered with these sometimes. No matter the budget, there is something for everyone. Here are a few popular TV packages from DIRECTV. Entertainment Package Reasonably priced at around $64.99 per month, the Entertainment package included a total of 160 channels. These include channels for sports enthusiasts and customer favorites such as Fox Sports, ESPN, and ESPN2. In addition, this package also offers channel premium preview for three months. This feature is often a part of DIRECTV promotions. Moreover, customers can access more than 40,000 titles on demand. Choice™ Package At just around $69.99 per month, customers get a blockbuster DIRECTV promotion deal with the Choice™ package, which includes more than 185 channels. What’s more is that there is a premium channel preview thrown in as well. In addition, there are more than 45,000 titles available on demand. Along with this, customers get 2021 season’s NFL Sunday ticket. Plus, a one-year subscription of HBO Max™ is often an added plus as a DIRECTV promotional offer! Ultimate Package Customers get access to a whopping 250 channels and more with this DIRECTV promotion deal on TV package. Called the Ultimate package, it is priced are around $84.99 per month. There is an additional Regional sports fee as well. This package has more than 55,000 tiles on demand along with access to tons of films with Starz Encore and the Movie channel. In addition, there is three-month premium channel preview as well. Also, the Ultimate Package offers 2021 season’s NFL Sunday ticket as well as one-year subscription of HBO Max™, which is a DIRECTV promotional offer. Premier™ Package For those who want premier and open access to all DIRECTV deals on TV packages, the Premier™ package is the right choice.

Essential CMS and CRM software to grow businesses

Business owners indefinitely look for ways to outrun the competition with the content on their websites. A CMS (content management system) software helps create, manage, and update these websites regularly. It also acts as a foundation for an online presence. For those in search of a viable cloud-based CMS software, here are three efficient options. WordPress Based on PHP and MySQL, WordPress allows a business to create a feature-packed blog or website. The website can consist of videos, images, written content, or other things suitable for a business. It offers users full access to their theme store, unlimited storage space, and a custom domain at cost-effective prices. Magnolia The cloud-based CMS software works best for businesses that require websites to execute any task. Magnolia allows the integration of e-commerce, analytic, social media, marketing automation, ERP, and even CRM. One can always add in these features as the business evolves. Weebly Weebly is a CMS that is easy to use and allows respective businesses to set up a simple website within minutes. It also sports a drag-and-drop format that enables its users to add or remove media and features to their website with ease. What’s noteworthy is that CMS is not the same as CRM (customer relation management). However, the two can complement each other. CRM software allows businesses to improve sales and monitor customer relationships, among other features. Here are three cost-effective CRM software to pick from. Zoho CRM Zoho enables users to get a 360-degree view of their business. It also allows them to track essential sales and marketing opportunities while increasing their conversion rate. The platform is host to over 150,000 customers globally. Further, the software has stellar features, including an AI-powered sales assistant, price and quote generation, and process management. Nimble Nimble, simple by its digital nature, can function within the G-Suite inbox or Office 365.

Benefits of wet and dry cat foods

If you’re a cat parent, you’d already be aware of their eating habits. Cats prefer a variety of meals in small proportions. No wonder we find them grazing over their bowls time and again. Although, if you’re new to the concept of wet and dry foods for cats, dive right in, for we’ve got something for you. There are benefits of serving both wet and dry foods to felines. Mainly because, unlike dogs, they’re difficult to please, and one can’t trick them into things they don’t like. If your cat is a fussy eater, they may enjoy wet food better. Find out the benefits of the best dry and wet cat foods. Benefits of dry cat food While dry cat food is convenient to store and serve, cats may throw tantrums if served the same food every day. However, dry cat foods help maintain their dental health by preventing the buildup of tartar. Dry foods are also the best way to get the cat to chew its food, exercising its jaws. These foods are ideal when cats are suffering from diarrhea as it helps add bulk to their stool. Some best dry cat foods that are readily available in every kitchen include: Cooked sweet potatoes Beef Pork Lamp Dark meat chicken Cooked carrots Banana Green beans/ asparagus/ broccoli (steamed) Melon Spinach Pumpkin Peas Benefits of wet cat food Wet cat food has a potent aroma and taste, making it ideal for fussy eaters. Cats have a stronger sense of smell than taste, and that’s why they tend to lean more towards foods with a fresh aroma. Additionally, wet food is a great way to keep your feline friend hydrated, especially when they don’t consume adequate fluids in a day. Wet cat food helps induce digestion and prevents constipation. It also helps keep stomach issues at bay.

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6 best upcoming Viking Ocean Cruises in 2021-2022

6 best upcoming Viking Ocean Cruises in 2021-2022

It’s no secret that Viking Ocean Cruises is one of the best cruise lines to enjoy a luxurious cruise vacation with your friends or family. Their fleet of state-of-the-art ocean ships takes you to the most exotic destinations around the world. This article looks at some of the best upcoming Viking Ocean Cruises sailings in 2021-2022, along with Viking cruise deals and airfares. Panama Canal and Central America If you want to explore rich Caribbean diversity, this ocean cruise is the perfect opportunity. It’s a 15-day Florida roundtrip cruise that takes you to seven gorgeous countries, including Panama, Jamaica, Honduras, and Mexico, among others. Pricing: Cruise fare starts from $4,299. With Viking’s Special Cruise Savings deal, you can save up to $300 on airfare. You can also save up to $500 on basic accommodation (Veranda). Departure dates: 26th November and 10th December Los Angeles, California, to London Witness the diverse landscapes of Oahu (Honolulu), Kauai (Nawiliwili), Bora Bora, New Zealand, Tasmania, and Brisbain, among other places. This 119 days cruise could be a vacation of a lifetime for you and your family. It departs from Los Angeles, California, and its last stop is in Tilbury, London, which lasts for two days.
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Oil change coupons for your Ford Motor

Oil change coupons for your Ford Motor

Frequent motor servicing is expensive, but a Ford engine needs regular oil changes to keep it functioning optimally. Luckily, many dealerships offer coupons for a discounted oil change. Depending on your car model, your engine will require either synthetic, semi-synthetic, regular, or premium oil. Once you know the type of oil that needs to be replaced, look for a service center that has it, and check out these coupons for your Ford motor. These will make an oil change a lot more affordable. The Works® Package coupon Almost every Ford dealership is familiar with the popular Works® package coupon. With this deal, you get six quarts of Motorcraft® oil, which is a high-quality synthetic blend. The costs differ depending on if the vehicle needs premium oil; it will cost something around an additional $30 dollars. If you want to avail of this offer, get in touch with a local dealership and ask them if they accept this particular Ford Motors coupon for oil change. The Works® Package also includes brake inspection, battery test, and filter check, along with oil replacement. Santa Margarita Ford Express Service Santa Margarita Ford, based in California, is an automotive venture that specializes in Ford motor servicing.
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