A credit score explains how credit-worthy a person is. There are different ways credit scores can be calculated, which we discuss in this article. We also look at how to improve a bad credit score. Concept of Credit Scores Your credit score is calculated based on information from banks and lenders. It uses parameters like payment due, length of credit, credit utilization, etc. to derive the final score. As and when you keep using your credit, the credit score can change. The credit score helps a lender or bank to understand how risky it is to lend to you or issue you a credit card. If you have a high credit score, they would feel assured that they can recover their dues easily. A low credit score makes you a risky customer and you could face problems getting credit. FICO Model The most popular model for calculating a credit score is the FICO model developed by the Fair Isaac Corporation. Most lenders prefer the FICO model to calculate credit scores. The FICO credit score gives weightage to various factors as follows: Payment history: 35% Credit utilization: 30% Length of credit history: 15% Credit mix or types: 10% New credit taken:

Many people have tried quitting smoking year after year, yet they find it difficult to quit the habit for good. Even though there are many support groups and medical institutions ready to help, the tobacco industry seems to be adding more customers every day. Many people relapse due to the withdrawal symptoms the addiction causes. If the addiction is understood properly, any smoker can give up the habit with ease say, researchers, doctors, and successful quitters. Stopping any habit starts and ends with the mind. A mental shift is necessary to make a change. On the other side of the struggle is greatness. To face a challenge one must understand and have the capability to overcome the obstacle. And there is no other way than meeting the obstacle head-on. Here are a few facts about smoking tobacco along with some effective methods for smoking cessation. Smoking Tobacco is Deadly People might still argue that smoking does not kill. However, the numbers from the Centers for Disease Control and Prevention states that more than 16 million Americans are living with a disease caused by smoking. For every person who dies because of smoking, at least 30 people live with a serious smoking-related illness.

If you wish to know the basics of a reverse mortgage you will learn that this mortgage can be of three distinct types. The most common type is a home equity conversion mortgage (HECM) which stands for the loans offered by lenders on home values that are lower than $765,000. This mortgage is also readily available. You must understand the basics of a reverse mortgage to know how you can get your payments. It is possible to get all the proceeds at one time through a lump sum amount. This will be given when the loan closes. This is also the only option with fixed interest rates; the other options come with variable and adjustable interest rates. Basics of a Reverse Mortgage – Different Types Of Payment Options Equal Monthly Payments In this type, the lender has to provide regular steady payments to borrowers for as long as they live. Term Payments Here, the lender will provide an equal amount of payments every month for a definite time period, like 10 years which the borrower chooses. Line of Credit In this type, the homeowner is free to borrow an amount as he deems fit when there is a need for money.

Romance abodes the heavens when the endless ocean and the celestial stars meet the comforts of a perfect cruise. Today, many couples around the world prefer the cruise than spending a holiday in the land however secluded. Below are the top vacation cruises that you can choose to get the most memorable honeymoon with the love of your life. Viking Ocean Cruises With 7 identical cruise vessels under its fleet, the Viking Ocean Cruises the perfect seclusion for your honeymoon. Each ship has a capacity of not more than a thousand passengers on board, which allows the intimacy and magic to happen among romantic partners. Viking Cruises has been voted the best Ocean Cruise Line under the small ship cruise category since 2016, due to its competitive rates and onboard facilities. Destinations range from the Americas, the Caribbean, the Mediterranean, China, and Southeast Asia. Viking Ocean’s authentic experience includes diverse cuisines, destination-specific itineraries, onshore exploration and a variety of onboard facilities such as the spa, infinity pool, and stateroom veranda, making Viking Ocean a favorite among young and old couples. Seabourn Cruise Line Seabourn Cruise Line is a multi-awarding and top-of-the-line luxury vacation cruise, with five ships in their fleet.

Raising a pet is no longer a hobby, it is for most people a relationship of love, care and affection and they regard the pet as their family member. In this age of modernization, where work can stress people out of their jobs, it is imperative to time is dedicated to travel around and breathe fresh air. Having a pet at home does not provide these privileges without effort. One of the most tedious parts of traveling with a pet is to find a hotel that accepts them with the same amount of love as the owner does. Here are a few pointers tips for pet-friendly hotel travel to be noted. Finding the Right Hotel Several hotels claim to be pet-friendly, but spring up a surprise or two when they visit happens with the customized fees and barrage of restrictions. The fees are mostly set in line with the size of the pet. Liaising with the hotel and understanding them beforehand and clarifying all doubts regarding the type of room, the facilities, fees chargeable and its frequency are a must. It is important to invest time to read through the reviews of previous customers to understand the pros and cons of the hotel.

When you’re just starting out on a new venture, there are enough challenges and teething problems that you will need to reckon with. One of the biggest challenges is, of course, selecting the right kind of office equipment. This will depend on your working budget, your business needs, and also office space at your disposal. So, knowing the top options to consider before buying a printer is a good idea as it will help you make the right choice. It is important to evaluate the top options before you buy a printer since businesses have distinct needs. Entrepreneurs are likely to get confused because of the overwhelming choices of printers that are available in the market. There is no sense in investing a fortune on models that will not satisfy your business requirements. Top Options Entrepreneurs Should Consider Before Buying a Printer The following pointers will help you know what your printer options should comprise before you buy one. Understand Your Printing Needs The printer model you buy must be able to fulfill your office requirements as far as daily operations go. When your workplace has multiple employees who must have access to the printer at all times, it is best to choose a network-equipped device.

Smartwatches are one of the innovative products of our times. They are digital watches that work like a smartphone. There are many features these devices offer that make it so popular. This article on top brand smartwatches and features looks at all the features available in a smartwatch. Shows the Time This is, of course, the basic function of any watch. A smartwatch shows the time like any other digital watch would. You can set alarms and use it as a stopwatch. Alerts and Notifications While listing the top brand smartwatches and features, one of the most used features is that of alerts and notifications. You can get notifications from any of the apps you have on your smartphone since you can link up the smartphone and smartwatch. You can view messages and notifications from your favorite social media sites. You can get alerts and reminders for things to do. You can use it like a personal digital assistant worn on your wrist. Health Features One of the most popular uses of smartwatches is for its health tracking options. You can use a smartwatch as a fitness tracker. Most smartwatches have features like Pedometers to help the number of steps you take Heart rate monitors Activity trackers for running, swimming, etc.

These days, online retailers seem to be keen to attract more and more students towards using laptops and offer many exciting savings deals to this effect. So, when you are looking for top students laptops for in 2020, make sure to go through the best shopping deals being offered by the big retailers. To get the top laptops for students in 2020, you have to read reviews about the bestsellers and see which one suits your requirements the best. You need to consider various factors like prices, features, specifications, size, ease-of-use, accessories, storage, operating system, and battery life before making a decision. Top Students Laptops Out in 2020 Dell XPS 13 This is one of the most revitalized and refined students’ laptops in the market and assures high-end performance. It contains the 8th generation Intel Core processor and the Intel UHD graphics card. There is a webcam that allows streaming and vlogging, and an impressive 13.3-inch display. While the prices are not very low, it is a worthwhile investment because it is guaranteed to last you throughout your student years. HP Pavilion 14 While this series may not be the most powerful or stylish to loom at they are the most efficient and offer good value for money.

Back Friday and Cyber Monday mark the most anticipated shopping days all year. Retailers offer deep discounts on items in different categories, such as phones, tablets, laptops, computer furniture, and other appliances. Black Friday and Cyber Monday enable you to save some serious cash because of the inflated discounts on popular, and often expensive tablets. The best tablet deals this coming Black Friday will be: 1. Samsung Galaxy Tab S6 Lite with S Pen The device is thin; it displays 10.4 inches, 4GB RAM & 64GB storage, and an SD card slot. The rear camera is 8 megapixels, and the front camera is five megapixels. The tablet accompanies an S pen attached magnetically to it for ease in note-taking and doodle. The pen attaches behind the tablet for charging and storage. The battery is 7040 mAh with a life of thirteen hours on a single charge. The tablet is available in different colors, Oxford Gray, Chiffon Pink, and Angora Blue. The tablet goes for $249 during the Black Friday period. The images are evident due to its resolution of 2000×1200 2. Apple iPad The 8th generation Apple iPad is available in the market, thanks to the insane deals on tablets for Black Friday.

Earbuds are little devices used as a pair for the ears. They contain tiny speakers that enable you to listen to a podcast, listen to music as you walk, carry out your tasks, or work out. Wireless earbuds connect to devices such as smartphones, computers, and TVs without using a cable. They have other connectivity features, such as Bluetooth. You only need to open the Bluetooth settings of the device in use and search for your earbuds, then pair. Here are the best wireless earbuds to buy and gift this festive season: 1. Bose QuietComfort Earbuds These earbuds are true wireless and excellent, especially in sound & noise cancellation. They have a battery life of two hours and a battery case that offers three hours of charge. The acoustic design is closed, they are secure, fit comfortably, have wireless charging, and are the best in ANC. The Bose QuietComfort Earbuds have a bulky charging case, and they do not have an on-board control for volume. Their balance is also incredible. The earbuds cost 279 dollars. 2. Apple AirPods Pro They are among the best wireless earbuds, especially for iPhone devices. The AirPods Pro fits more ears, and they are comfortable due to the silicone tips that seal your ears to ensure the ANC works effectively.