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Staying on Top of Your Credit

In this article, we will be going over the importance of your credit score, and how you can stay on top of it. We will also introduce some online tools you can use to help you monitor your credit for free.

credit cardsAs far as your financial life is considered, no single number is more important than your credit score. The quality of your score will influence a great many things, such as:

  • Your ability to purchase a home. The higher your score, the better mortgage rates you'll get. If your score is low, you may not even be able to qualify for a home loan at all.
  • Whether you can get credit cards, and how high your credit limit will be. A lot of the credit cards with the most favorable terms and good rewards only accept people with a good credit score.
  • Your ability to rent apartments. The best apartments can be picky, and may only accept tenants with a relatively high score. If you have a good credit score, you may also qualify for a smaller deposit to get your unit.
  • Whether you can get a job in a financial field like banking. Not all jobs will run your credit, but if you're applying for a job where you will be handling money, there is a good chance your potential employer will want to know your credit score. A low credit score may not automatically disqualify you from getting a job, but it will be a negative mark that could hurt your prospects.
  • Your ability to buy a car. Unless you plan to pay in cash, you'll need a loan to purchase a car. If your credit score is less than perfect, you'll have to make higher payments.

And that's just the tip of the iceberg. For obvious reasons, you want your credit to be as high as possible. A common myth is that not having credit cards will raise your credit score. This is in fact untrue. To get a high credit score, you must have some debt and show that you can manage your debts well. The best way to do this is by opening up 3-4 credit card accounts. However, you should maintain a low balance on each of them, and make ALL payments in a timely manner. Even one payment that is sent in late can negatively affect your credit score for years.

Your credit score will generally be a number from 300 to 850. The higher the number, the better your score is. Generally, a score above 700 is considered good. If your score is above 750, you can expect to get the best rates for credit cards and mortgages. The length you've had your credit accounts is a factor that determines your overall score, so you should open up credit card accounts at an early age, and keep them open for a long time, even if you do not use those cards.

It takes years of positive credit history to attain the highest scores. Once you have a good credit score, it is equally important to maintain your high score. The best way to do this is by joining a credit monitoring service. There are numerous services you can sign up with, but Experian and Equifax are two of the more popular ones you may want to consider.

If you don't require close monitoring and just want to know your credit score, a good site to register with is CreditKarma. This site will provide you with your credit score from two different agencies. By joining CreditKarma, you will be able to therefore monitor your credit in a basic way, which is sufficient for most consumers. If you have concerns about identity theft, however, you may want to join a more robust service that will charge you a monthly fee. The lower end paid services generally charge around $10 a month, and this might be worth paying for the peace of mind you'll get in return.

If you have damaged credit, it will take years to raise your score. The best way to raise your score is by keeping a few credit card accounts active and make sure you do not miss any payments at all. I know people who faced foreclosures who were able to repair their credit score over the course of 3-5 years by following this strategy. If your credit score is particularly bad (500 or lower) then you may also need to talk to a professional credit counselor for additional ways to improve your credit.

For additional tips on raising your credit score, I recommend viewing the following video:

How to get the most out of eHarmony

If you've been a member of dating sites in the past, then you probably understand that being part of a good dating site costs money. Most popular sites charge $30 or more per month. To keep things in perspective, that's 3-4 times more than a Netflix or Hulu subscription. On the other hand, it's less than what you may pay for a single date, so I suppose it all depends on how you look at things. But regardless of cost, it makes sense to make the most of any dating site you join.

eharmony free communicationFor a long time, eHarmony has been the dating site of choice for people who want to be in a commited relationship or marriage. The demand for such relationships must be high, given that eHarmony is among the most popular dating sites. But more so than other dating sites, eHarmony is a bit on the pricey side.

That's why I recommend joining the site for free, at least at first. You can do this by using this special eHarmony Free Trial offer available from Couponleaf.com. This free trial lets you create a profile and receive matches. It also allows you to initiate communication, although your options for communication will be limited. You won't be able to circumvent getting a membership, however, by using the free trial UNTIL you find someone you're genuinely interested in, you can postpone having to pay for a membership up until the very moment you begin communicating.

This is how I am able to maximize my usage of onling dating, not just for eHarmony but other dating sites as well. And when you actually do sign up for a subscription, make sure you use dating coupons as well, as this is another way you'll be able to get a good deal on your membership.

Canvas Prints Vs. Posters

For the longest time, I've decorated my home with posters. They are relatively cheap and can look rather nice once you put them in a frame. In my bedroom, I have a few posters that aren't framed at all, and it's one of the quickest and easiest ways to make a room appear more appealing.

But more recently, I've started to like Canvas Prints quite a bit. Compared to posters, they have more heft, but are cheaper than buying paintings (although they have the same feel given that they are printed on a canvas). While I still use posters quite a bit, I find that Canvas Prints add variety to my home. Although they are a bit more expensive than posters, I find that they are still quite reasonably priced.

If you are debating whether to buy a canvas print or a poster, here are some things to consider:

  • Canvas Prints are slightly more expensive.
  • Posters are easier to wrap up while moving. Canvas prints are bulkier and more difficult to move, especially if they are large.
  • To make a poster really look good, you need to frame it, and by the time you do that, it can end up costing the same as a canvas print.
  • Canvas Prints may make art look better. Photographs will likely look better on a poster. However, this is based on my personal preference, and you may feel differently.
  • The best place to shop for either a poster or canvas prints is online. You'll have access to a larger selection of products, and also end up paying less in most cases.
  • You can save money on your purchases online by using coupons (Check out hotprintingdeals.com for the most recent coupons).
  • Canvas prints can make great personalized gifts if you use a photo that has special meaning to the person in question.

printing couponsBeyond that, it's mostly a personal decision. As I've stated before, in my case, I like to use a combination of the two for variety. To buy posters online, the best site in my opinion is allposters.com, which has just about every poster imaginable. When it comes to canvas prints, my preferred store is Canvas People, which offers low prices and quick service. In both cases, you'll want to make full use of Allposters coupons or Canvas People coupons to get the best pricing.

Making Vaping Interesting With Different E-Juice Flavors

Mixing Ejuice or Vista Vapors?Vaping to me is a lot more fun than smoking, and one of the main reasons for this is that it offers a lot more variety. Your vaping experience can differ quite a lot depending on the battery you use, and whether you use cartomizers or tanks. But not only that, you can change your vaping experience in almost unlimited ways by using different E-juice flavors.

Many people create their own flavors and have a mini lab at home where they experiment. This can require quite the setup, as you'll need syringes and quite a few bottles to mix your ingredients in. A simpler method of mixing e-liquids that I favor is to buy flavors from good vape stores like Vista Vapors and create your own mixes. I like to buy pure flavors like vanilla, chocolate, etc, as they blend better with other pure flavors. In this way, I can create my own mixtures without having an elaborate setup at home. And you'll never run out of flavors to mix, since stores like Vista Vapors carry hundreds of flavors. If you're interested in all the different flavors available, I would suggest checking out all the discount e-juice available from Vista Vapors.

The easiest way I go about mixing is to simply add the flavors into a cartomizer or tank in proportions that I have chosen. So in order to make a coffee vanilla flavor, I might add 10 drops of coffee flavor and 5 drops of vanilla into a tank, then shake the mixture. That's all there is to it, and I'm ready to start vaping.