Credit score is a number that financial institutions like banks, credit unions, and other lenders use to check your repayment capability. A lot depends on your credit score, especially when you’re applying for a loan. If your credit score is low, you might miss out on good interest rates or the chances of getting a loan itself. Improving your credit score is not as difficult as it seems. Here are five simple ways to rebuild your credit fast: Be punctual and smart while paying credit card bills One of the easiest ways to rebuild your credit fast is to pay all your bills on time, as credit repayment history forms a significant chunk of your credit report. It is also an excellent strategy to pay your bills twice a month instead of in one go. If you max out your credit card and pay the bill on time, it will still show a 100 percent usage of the balance amount. On the contrary, if you pay twice a month, you are breaking your payments into small quantities, lowering your overall credit card balances. Add yourself as an authorized user to another card If you want to rebuild your credit score fast, another great option is to ask any of your friends or family to add you as an authorized user to their credit card.

If you are a college or a high-school student, it’s always a good idea to open a savings account to maintain and add to your personal savings. As a student, minimum opening deposit, low interest rates, mobile/online banking accessibility, and low service fees are some of the factors to consider before selecting a bank to open an account with. Here’s a list of the best savings accounts for students: Capital One Kids Savings Account This savings account requires no minimum opening deposit and doesn’t charge any extra service fees. It provides an Annual Percentage Yield (APY) of 0.5 percent, which is more than most banks. You can also select the Parental Control and Saving Goal features if you want. The Capital One Kids Savings Account is, however, an online-only account and doesn’t provide you with 24/7 customer support. DCU Primary Savings Account One of the best savings accounts for students, the DCU Primary Savings Account provides users with a high 6.17 percent APY on the first $1,000 they deposit. After that, the bank gives an APY of 0.25 percent on the remaining balance. Also, the minimum deposit required is just $5, and the bank doesn’t charge a monthly service fee either.

It can get difficult to understand the exact difference between cable TV and streaming services, especially these days when content providers provide the option of bundled services that blur the distinction between internet and broadcast media. The number of cable TV subscribers are now declining as consumers tend to favor streaming services like Netflix, Hulu, and Prime. But on the whole, the video consumption industry is steadily rising. While more choices in terms of content empower the viewers, it is important to understand the difference between streaming services and cable TV to make the right choices. Some of the main distinctions include: Technology Cable TV falls into the category of broadcast streaming. The video and audio content is broadcasted from a center point to your homes with the help of coaxial cables. You are required to ‘tune in’ to a particular frequency (channel) to view the content you want. The main difference between streaming services and cable TV is that streaming services come under internet networks. Here, content is delivered and requested through the IP or Internet Protocol (the language through which packets of data are transferred between two computers in the same internet network). Streaming services use the same open and unmanaged client-server model like your web-browser and email to deliver the content.

If you’re struggling to clear your credit card bills, you’re not alone. With an increasing number of people facing credit card debt, it becomes more important than ever to know how to manage it. This article discusses five simple ways to pay off credit card debts: Get a debt consolidation loan A form of personal loan, the debt consolidation loan lets you combine your credit card debts into a single payment system. If you’re struggling to pay back credit card loans, it is essential to find lenders who provide lower interest rates and longer loan repayment terms. Sometimes, a debt consolidation loan also lowers the total monthly amount you have to pay. If you opt for this, you are recommended to cut up your other credit cards to prevent further debt accumulation. Transfer your credit card balance to a zero-interest card One of the easy ways to repay your credit card debt is to transfer the balance into a single low- or zero-interest rate credit card. It’s advised to shop around before you settle on a credit card, as you might find one that allows zero interest rate for up to 12 months and charges a high rate afterward. Also, ensure that there are no additional fees, and if there are, ensure that they cost you less than the savings you would have made because of the zero interest.

While drinking at home mostly involves a few beers or a glass of inexpensive wine at dinner, we have all been curious to try our hand at mixing fancy cocktails. All you need is a quality cocktail shaker and a few bar cart essentials, and you can mix up something easy, delicious, and quick to enjoy after a long day. Here are a few easy and most popular cocktail recipes that can be made at home. Negroni Possibly named after Count Camillo Negroni, this cocktail comes ith several interesting variants and is an improvement on the Americano drink that uses club soda instead of gin. A mix of bitter, sweet, and boozy flavors, the Negroni is one of the most popular cocktail recipes that can be made at home. You need London Dry Gin – 1 oz. Sweet Vermouth – 1 oz. Campari – 1 oz. Stir all the ingredients together along with ice for 20-30 seconds. Strain the mix into a coupe glass and garnish with orange peels. Gin and Tonic One of the most popular cocktail recipes that can be made at home, the Gin and Tonic can trace its origin to the East India Company. Soldiers who had to frequently take quinine to cure malaria mixed the “tonic” with water, sugar, lime, and, of course, gin.

With smartphone technology advancing rapidly, there’s hardly any need for a compact camera these days. Unless you are a professional photographer, most of your photography needs can be fulfilled by a good-quality camera phone. Most smartphones in the market come with advanced specifications like increased megapixels, image sensors, burst shooting, and digital zoom, and keeping a separate, bulky camera is now redundant. Here are some of the top-rated smartphones with the best camera quality: Apple iPhone 11 Pro Released in September 2019, this latest offering from Apple boasts of a triple camera array, including a 2MP, f/2.2 TrueDepth front camera and three rear cameras with 12MP 13mm f/2.4, 12MP 26mm f/1.8, and 12MP 52mm f/2. With fantastic portrait effects, the camera gives a true-to-life image. It also comes with an ultra-wide back camera that produces distortion-free and sharp images, making it perfect for travel photography. The Apple iPhone 11 Pro gives consistent image quality, as the colors, exposures, and tones are the same across all the cameras. Also, unlike other phones that use excessive HDR, noise reduction, and image sharpening, the Apple iPhone 11 Pro never makes the photos look over-processed. Samsung Galaxy S20 Ultra 5G Arguably the best among the top-rated smartphones, the Samsung Galaxy S20 Ultra 5G features an impressive list of specifications that include a 108MP primary camera, 5G future-proofing, and up to 100X zooming capability.

Gaming, designing, school-work, business, the list of reasons why we need a laptop is almost always never-ending. Technological advancements have paved the way for powerful performances, stunning graphics, increased memory space, and sleek designs. As we enter a new decade, let’s take a look at the most popular laptops of the past decade: Lenovo ThinkPad An excellent business laptop, the Lenovo ThinkPad was like most laptops of its time: practical, rugged, bulky, and reliable. You could find the Lenovo ThinkPad with 13-17-inch screens, 250-500 GB hard drives, 4 GB RAM, and an Intel i5 or i7 core processor. The laptop functioned on Windows 7 and was the preferred device for many offices. Asus Zenbook UX21 Sporting a lightweight and stylish look, the Asus Zenbook was only 17mm thick and a great option for business professionals. The Zenbook was packed in a silver aluminum case and came with powerful features like an Intel i7 quad-core processor, an 11.6-inch display, a 4 GB RAM, and a 128 GB hard drive. Razer Blade 14 The Razer Blade 14 was a revolutionary laptop for its time. It was launched in 2012 by Razer, a gaming company that was new to the laptop market. Among the most popular laptops of the decade, the Razer Blade 14 had a thickness of 0.88-inches when most gaming laptops weren’t less than 1.5 inches thick.

Quitting cigarettes or other forms of tobacco can be tough. In the first few weeks, especially, you might experience intense cravings, headaches, irritability, anger, and tiredness. But as time goes by and the nicotine is out of your system, it will get easier to resist. These physical cravings vanish in a few days. However, the mental cravings for tobacco can last longer. They last as long as 15-20 minutes, and can easily be controlled by following some simple tips. A few easy tips to resist tobacco cravings are given below: Try Replacement Therapies If the urge to smoke is too high, you can start off by using short-acting nicotine replacement therapies like nicotine nasal sprays, gum, lozenges, inhalers, etc. There are also long-acting nicotine patches that are available over-the-counter. Ask your doctor for medications to help you overcome the smoking habit. Walk it Off It might seem too cliched, but going for a walk is one of the best tips to resist tobacco cravings. Sitting in one place allows your emotions to get the better of you. Take a little walk while focusing on breathing deeply. Remind Yourself Why You Quit Whenever the tobacco cravings seem to overwhelm you, list out the benefits you have experienced since you quit.

Working out from home is the new fitness craze and a really accessible and affordable one at that. All you need to do is put on your sweatpants, play some energizing tunes, and get to work. You don’t even need to buy fancy gym equipment. Check out this list of the best budget home gym equipment for a daily fitness routine that doesn’t burn a hole in your pocket. Jump Ropes Yes, jump ropes! They are not just limited to the playground. For less than $20, you can get an excellent device to build coordination, stamina, and endurance. It’s perfect for cardio and warming up, in addition to running, jogging, and jumping. Although it was a favorite childhood pastime, jumping rope for longer periods is no joke. Use it for interval training and give your body a minute of rest before you start working out again. For beginners, it is best to use thicker ropes made of PVC as they are easier to learn while avoiding speed ropes till they get the hang of it. Flat Bench While most people think of using a flat bench only for bench presses, it is one most versatile and best budget home gym equipment.

Fashions come and go, but certain items in our wardrobe remain evergreen. One of the often-repeated tips when discussing timeless women dress styles is to invest in good-quality, foundation pieces. These are the pieces of clothing that match well with most styles and accessories and are worth those few extra bucks. Given below are the top 5 items are a must in every woman’s wardrobe: A White Tee When it comes to timeless women dress styles, nothing’s more classic than a plain white t-shirt. There are different cuts and fabrics you can choose according to your body type and taste. However, a fine-ribbed t-shirt with a bit of spandex for extra-stretchability is recommended. If you are confused with the variety available in stores, a V-neck t-shirt seems to suit most body types. This versatile piece of clothing can be paired with blue denim, a flowy skirt, underneath a blazer or a slip dress, and in many other creative ways. A good-quality white t-shirt should cost around $20, and it is recommended you keep backups handy in case of stains. Black Pump Shoes While flip-flops and sneakers might be comfortable, it is always advised to keep a pair of simple black pump shoes handy for interviews and date nights.