Tuesday , February 20 2018
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Top 4 Advices to Improve your Credit Score

If you have fair or poor credit score, boosting is not an easy feat at all. Think of your credit score as a race car (or pbn set up?), where you instantly feel the results brought about by revving up the engine. A credit score is pretty much like your driving record too. Companies take into account your years of finances and not just your present-day spending habits.

In order for you to improve your credit score, you need to be consistent with wise money management. The smallest money decisions will help in moving your score up and in the right direction.

  1. Closely watch your credit card balances

One major factor in determining credit score is the amount of revolving credit you have versus the amount that you are actually using. By rule, the smaller the percentage is, the better it is for your credit rating. The optimum percentage is at 30% or lower.

To improve your score, pay your outstanding credit card balances and make sure to keep them low at all times. Make multiple payments throughout the month to make sure that your credit card balance remains low.

  1. Let old debts remain on your report

Make sure not to ask credit reporting companies to remove your old debts from their record. Once you have repaid them, this will automatically be deleted from your history after seven years. If you are applying for a loan, having old debt is not as bad since they will also learn about the fact that you have repaid them still.

  1. Pay your bills on time

One way to achieve financial freedom is by paying your financial obligations on time. If you are applying for a big loan such as in the case of mortgage or car loans, you want companies to see that you are consistent in paying your bills on time. Tardiness in paying bills can have a negative impact on your credit score too!

  1. Never risk your good credit standing

If you wish to be free from money-related problems in the future, always be consistent on paying companies what you owe them. The habits of applicants for loans are judged based on their consistency in making payments and the manner by which they make their payments too.

One big scare for credit card issuers is high-risk applicants. If you miss payments or suddenly make less payments to lenders,  or make payday advances with pawnshops or ongoing transactions with payday lenders you are more likely not getting approved of loans that are applying for.

My Top Three Beauty Products For Healthy Skin

Your skin provides the foundation for all of your makeup. If it is covered with blemishes or wrinkles, it will be practically impossible to look your best. Because of that, skincare should be one of your top priorities. Getting clear, healthy skin can help you look beautiful all the time. There are three beauty products that I rely on every day to keep my skin clear and healthy (forgot to mention Lifecell Anti Aging Cream).

The first product is witch hazel. This powerful natural product provides countless benefits to the skin ranging from healing acne or other small sores to getting rid of ingrown hairs, combating psoriasis or eczema, minimizing oil, and balancing the skin. I use it every night before bed to remove my makeup and refresh my skin. Since I have started using it, I have not had any problems with acne.

stencil.blog-post-feature (1)I also like to use a good moisturizer on my skin both during the day and at night. During the day, I use a lightweight moisturizer underneath my makeup. At night, I opt for something heavier that provides a tremendous amount of moisture. I have dry skin and find that moisturizing it well at night helps it stay fresh all day long.

Finally, good skin starts from the inside out. Because of that, my third favorite beauty product for healthy skin is a good multivitamin that provides your body with the nutrients it needs.

Make sure you are insured!

You are in the market for a new insurance policy and thinking about all of your options. With so many different types of insurance policies and a lot of companies to choose from (like carinsuranceminimizer.com), it can be very stressful making a decision. Insurance is very important, because without it we leave ourselves vulnerable should an emergency strike us when we least expect it. Keep reading for good tips on when you need to purchase insurance of any kind.

It makes no difference what type of insurance you are in the market for because you will still have to shop around for the best policy that suits your specific needs. Depending on what state you live, your car insurance is probably going to have different requirements and minimums than the state that is right next to yours. Be careful when purchasing a policy because you would hate to be stuck with having less than the state requirement, which can lead to your claim being denied.

When buying health insurance today it is vital that you understand how the Affordable Care Act affects your personal situation. Depending on the state you live in and your income level, you may qualify for subsidies under the Affordable Care Act. Although most people are unfamiliar with how this will all play out because the law is very new, it is up to you to pay attention to how you can benefit. If you are unsure whether or not you qualify for subsidies under the Affordable Care Act it is best to speak with a customer service representative at an insurance company.

Applying for insurance today is a simple process thanks to the world wide web. All you have to do is gather up your important documents and head to any of the search engines where you can type in insurance. Instantly you will be given many links to companies that are competing for your insurance business. Carefully inspect each company and remember that the cheapest policy is usually not the best one. Trying to save a few bucks on your monthly premium may not be in your best interests when it comes time to pay out on a claim.

Read all the insurance reviews before signing up with a company and paying the premium. If you search around online you can read actual testimonials from customers who belong to these insurance companies. Read as much as you can, then pick the insurance policy that matches up best with what your needs are.

It is always tough to make that insurance payment each month, but just think how difficult it would be if you didn’t have any and something bad happened. Thankfully, you read this article and you don’t have to worry about it. Just make sure you are insured!

Three Reasons You Should Be Working Toward Financial Independence

Financial independence can be thought of in two ways:

  1. You work for yourself, or own a small business, and therefore your income depends solely upon your efforts, not on the whims of corporations who decide who to hire and fire, promote and demote.
  2. You earn and invest until you have a nest egg in at least the middle six figures, at which point you can live on between five and ten percent of the fund’s annual growth and do whatever you want for the rest of your life.

Most Americans today believe that becoming financially independent before age sixty or seventy is a pipe dream, completely out of reach for them.

That is completely wrong.

And Barbara Sher, Barbara Winter, Ernie Zelinski and Brian Tracy would all agree with me.

Here are three reasons you should begin working toward financial independence today.

1. You were born to be free.

Working for someone else is a type of slavery. Think about it: an employee is told when to start work, when to stop it, when to eat lunch and how much vacation they can take. Many employees are forced to work after hours, and these days, not get financially compensated for it.

“But somebody has to check out groceries/wait tables/collect garbage/program computers, etc.”

Yes! So, let the youth do those jobs. In the ideal world, young people would start out as employees to get the real-life training they need and to begin building their nest egg. By the time they are between thirty and forty years old, they should be running their own business and/or have invested enough so that they can live on their nest egg for the rest of their life.

2. No job is secure.

I used to think that a bilingual teaching job in Dallas was the securest in the world. Until, a year or two after I had left the job, my former principal was forced to eliminate a couple of the bilingual teacher positions at my former school.

Don’t ever count on your job being there until retirement, or until you decide to look for another.

3. The world needs your gifts.

Whether you know it or not, you have gifts and talents that, if shut up for a lifetime due to lack of time and/or money, will deprive the world of something it needed but didn’t receive.

Begin writing out a plan for financial independence today. It will benefit not only yourself and your loved ones, but everyone else around you.

What Food Gave Knights The Strength To Wear All That Armor?

It’s been more than 500 years; but knights are still one of the most revered types of hero in the world. Strong men in heavy armor fighting for what’s right is a trope that anyone can get behind and emulate. To consistently wear heavy armor, what did knights eat? You’ll find the answer in this post.

Knights Did Not Eat Meat As much As You Would Think

You would think that knights ate meat at every opportunity. After all, more protein means more strength to carry heavy weights, right? Sort of. Knights were limited to eating meat at three meals per week. Even in medieval times it was known that too much meat wasn’t good for the heart. Less meat was also meant to teach restraint among knights. Throughout the rest of the week meals were breads, vegetable, and broths.

Lent Was Followed Year Round, Other Religious Holidays Played A Role

Most knights were deeply religious, going to war for their beliefs on a regular basis. In respect to Jesus Christ most knights observed lent every Friday. That involved one meal at most, usually some type of fish. Knights would fast often.

How The Diet Affected Knights

Being a knight and handling all of the duties that came with the job came down to mental strength more than anything. The diet was a focal point for this. There was a strong balance, and portion control kept most knights from gorging themselves. Along with their daily training regimens knights had every tool they needed to be able to handle heavy weighted armor.

Are you thinking about emulating the diet of the knights of old? You can’t really go wrong doing so. You’ll get the balance and strength you need to really feel good about yourself. More information can be found online, so take a look while you’re surfing today.