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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. In many cases, you can get free trials for such services. In fact, you can get free trials for many services online such as Gamefly, and you should be taking advantage of them on a routine basis, if you aren't doing so already.

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 and by using online 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.

If you need original posters printed for your business or for some other purpose, then I recommend a company called Printplace. They offer reasonable prices and do a very professional jobs. As is the case with other online printing services, you will get the best deal if you use Printplace coupons, which you can find from many sites online.

Making Vaping Interesting With Different E-Juice Flavors

Mixing EjuiceVaping 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 Vaporfi 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 Vaporfi carry a great many flavors. If you're interested in all the different flavors available, I would suggest checking out all the discount e-juice available from Vaporfi. Make sure you also use Vaprofi coupons from http://e-cigbargains.com/coupons-vaporfi/.

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.

Great Discounts at AC Lens

How much are you currently paying for your contact lenses? There is a good possibility that you are paying more than you have to. What if you could find a way to pay half of what you are currently paying for your lenses? That could potentially save you hundreds of dollars. Allow me to explain how it works.

The real secret to getting contact lenses at a low price is to purchase from online contact lens stores instead of at your optometrist's office. You've probably heard of stores like 1-800-contacts (which is affiliated with Walmart), but my personal favorite contact lens stores is a much smaller outlet called AC Lens. I've taken the time to compare prices at a number of online store, and AC Lens had the lowest prices for my lenses after I factored in online AC Lens coupons that I can use.

If you have never ordered contacts over the Internet, there are a few things you need to be aware of. First, you'll need to know a few details about the lenses you wear. You probably already know the brand name, but you'll also need the base curve and power. If you don't know this information, you can find it on an old box or on your prescription. In addition, you will need the name and location of your optometrist. This information is used by the contact lens store to verify your prescription.

It will take about a week for your new lenses to arrive by mail, so make sure you plan at least a week ahead when you order lenses online. I usually make it a rule to order new boxes when I am down to my last box of lenses. This usually gives me more than enough time to receive my new box of lenses before I run out. And when you do place an order, don't forget to use Visualdiscount's AC Lens coupons.

If you currently buy your contact lenses from your doctor, stop! By making the switch to buying your lenses online, you'll save hundreds every year. The process may seem complicated at first, but once you've done it a couple times, it will be like second nature. And given how much you can save by using stores like AC Lens, the extra effort is worth it!

My Review of the Gamefly Service and How to Get a Free Trial

gamefly free trial offerWe all love our video games, and some of us spend quite a few hours each week on this exciting hobby. And while many people have criticized the tendency of some people to play too much, it's not all bad. There are a few recent studies that have shown that playing video games improves some cognitive abilities. So as it turns out, playing games is not the complete waste of time that some would have us believe.

But to be honest, one downside of playing video games is cost. Not only do you need to spend over 300 dollars on a console or gaming card, you also need to purchase games on an ongoing basis if you want to play the latest, greatest releases. All said, you could easily end up spending a thousand dollars or more per year on this hobby.

Fortunately, there is a better way. Recently, I took a test drive of the online game rental service, Gamefly. The service works just as advertised. You create a list of games on the site, and they are sent to you, one by one. If you get the minimum membership, you can receive 1 game at a time. If this isn't enough for you, there is also a plan that sends out 2 games to you at once. If you spend more than a few hours a week on gaming, then the latter option is probably the one you want to get. The good news is that it's only a few dollars more than the basic plan.

The best way to get a handle on how Gamefly works is by testing it out yourself. Currently, there is a month-long Gamefly free trial you can take advantage of. This free trial is yours if you visit the site, Freetrialspot.com. I don't know how long this offer will be available, so make sure you grab it while you can: http://freetrialspot.com/gamefly.php

I do still buy games occasionally when I fall in love with them. But using Gamefly has saved me hundreds of dollars a year, all while allowing me to play a greater number of games.

Supplements that help with mood disorders

Today, many people suffer from mood disorders like depression and bipolar disorder. Today, I'd like to talk a bit about supplements you can take to treat such conditions.

Normally, these types of conditions are treated with anti-depressants or strong drugs like lithium. But these kinds of drugs have quite a few side effects and aren't always effective for some people. As a result, millions of people suffer over a lifetime. First, let's talk about depression.

Supplements for depression:

There are quite a few supplements in this category. Sometimes, depression is caused by a lack of a certain vitamin, such as vitamin D. Often called the "sunshine vitamin," vitamin D has been shown to alleviate conditions of depression. Other supplements that could be helpful are St. John's Wort, Sam-E, and Rhodiola Rosea. Since everyone is different, a supplement that works for one person may not necessarily work for another person. Therefore, you'll have to experiment a bit to see what works for you. I would start by taking a multivitamin to make sure you have all the basic vitamins covered. Then add other supplements one at a time and see if they lighten your mood.

Supplements for bipolar disorder:

Lithium is a typical drug that is prescribed for bipolar disorder. And while this supplement can be effective, it does have quite a few side effects. A better option may be taking magnesium supplements. Studies have shown that magnesium has similar effects as lithium while having far fewer side effects. But make sure you take a form of magnesium that is easily used by the body, such as Magnesium citrate. This means you'll have to buy your magnesium online from stores like Pureformulas, or buy them at health food stores. I like to buy my supplements online myself, because that allows me to use Pureformulas coupons and get some extra savings in the process. A current list of pureformulas promo codes can be found at referralbusinessbuilders.com.

The bottom line:

The takeaway here is that there are other choices besides simply taking a pill your doctor prescribes to you. Supplements may help you address a nutrient deficiency and also help you deal with your mood disorders. Therefore, I recommend trying out supplements first for any mood disorders before taking prescription medication.