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3 apps that can help improve credit score

3 apps that can help improve credit score
A credit score is a measure of one’s creditworthiness, usually presented as a 3-digit number between 300 and 850. If one has a higher score, it makes one a better candidate for loans. However, a bad credit score can make it challenging to obtain loans. Fortunately, some apps available in the market can assist one in improving one’s credit score. Continue reading this article to learn about the best apps to help improve a bad credit score. 3 apps to help improve a bad credit score Credit Karma With an experience that spans more than a decade, Credit Karma is one of the best apps to consider when trying to improve a bad credit score. One may come across various beneficial tools that can trigger changes in the credit score while using this app. This includes access to one’s credit report, tips to increase credit score, and even products that can prove beneficial in saving money. Experian As a credit-building software, Experian gives its customers access to adaptable and straightforward offerings. This comprises access to FICO and Experian credit scores, the Experian Boost feature, credit score change alerts, and credit card recommendations. All of these features are available to users for free, providing them with easy access to all the necessary information.

5 easy steps to make a successful VA loan application

5 easy steps to make a successful VA loan application
Veterans or those on active duty can avail of VA loans for any financing purposes. The federal government guarantees these loans. However, to get them, there are specific steps to be followed for successful application. These steps include everything from looking for the best VA loan lenders to maintaining a stable credit score. Here are a few easy steps to make a successful loan application for veterans. 1. Get preapproval for the VA loan With preapproval, you can determine your budget. This process involves telling your VA loan lender about your homebuying goals, employment history, and military service. Some documents required during this process include copies of your driver’s license, DD-214 or Guard/Reserve points statements, recent pay stubs, and bank statements. 2. Look for VA-approved loan lenders Always shop for a lender who is an active participant in the VA loan program. The best VA loan lenders would offer several options and deals. The deals generally differ based on discount points, interest rates, and VA closing costs. If you face any difficulty, a loan officer can help you find the right VA loan lender. 3. Get an eligibility certificate A certificate of eligibility or COE is proof that you have met all the eligibility criteria for the VA loan.

4 tips for buying bank-owned cars

4 tips for buying bank-owned cars
Financial institutions, like banks, can repossess vehicles if owners miss payments on loans they took to buy the vehicles. These seized cars are then sold at incredible discounts, and one can participate in bank-repossessed and owned car auctions to save money on these vehicles. However, buying a repossessed car can be a good deal when one understands the process. So here are four tips for buying a bank-owned car on sale: 1. Look for reliable auction sources The first step toward finding a repossessed car on sale is to look up reliable car auctions. One could check local newspapers, contact banks, or search online for auction announcements. Another way to find a repossessed vehicle is to look for a trusted auction website, where one can register and bid on various vehicles without breaking a sweat. 2. Inspect the car If one is attending a vehicle auction for the first time, they should consider hiring a professional or asking a friend or neighbor to help assess the condition of the vehicle they are considering buying. Checking for signs of damage, wear and tear, or rust and examining the engine, brakes, and tires for potential issues is important here. One can also check the car’s history from an online vehicle history provider.

Here’s where one can find good deals on repo cars

Here’s where one can find good deals on repo cars
When buyers default on loan payments on their vehicles, the lender has the right to confiscate them without legal action. This act of seizing is known as repossession, and the vehicles are commonly referred to as “repo cars”. Buying these can be a great way of saving money, as they typically cost less than their fair market value. This article lists four places where one can find good deals on repo cars. Lenders Banks, credit unions, and other lenders maintain a file of their repossessed vehicles. Since they often want to recoup their costs, they may allow buyers to browse through this file. This is one of the best ways to find a great deal on repo cars. These lenders may also provide easy financing options or deals to buyers. However, it is important to note that banks and other lenders often do not pay heed to cleaning and maintenance of the car, which may add to costs later. Reseller services Reseller services are companies that specialize in selling repossessed vehicles. These third-party services focus on moving inventory quickly without assuming any ownership of the vehicle. This keeps prices low, as they do not add hefty margins to the sale.

8 things that dental insurance doesn’t cover

8 things that dental insurance doesn’t cover
Dental care insurance serves as a crucial safeguard that helps people save on out-of-pocket treatment costs and makes painful procedures easier to deal with. However, one should note that not everything falls under its scope. While dental insurance is designed to cover a range of services, certain aspects of dental care may go beyond its capacity. Understanding these will help individuals make informed decisions about their oral health and financial planning. Cosmetic dentistry Dental insurance focuses on procedures essential for maintaining oral health, relegating cosmetic dentistry to elective services. Aesthetic improvements like teeth whitening, veneers, or cosmetic bonding are often excluded, requiring individuals to explore alternative payment options. Orthodontic treatments for adults While orthodontic coverage is a common inclusion for children, adults seeking orthodontic treatments, such as braces or aligners, may encounter limitations. Insurance companies often consider orthodontic procedures for adults from a cosmetic standpoint, offering limited coverage. Therefore, reviewing one’s insurance policy to understand the extent of coverage for orthodontic treatments is important. Elective procedures Dental insurance commonly overlooks elective procedures performed for non-essential reasons. Services like gum contouring or aesthetic gum surgeries, chosen for cosmetic purposes rather than need, may necessitate separate financing. Pre-existing conditions Similar to health insurance, dental coverage may not extend to pre-existing conditions.

4 AirPods Deals Most Users Might Overlook

4 AirPods Deals Most Users Might Overlook
Apple’s AirPods are one of the top products for entertainment and communication among other earbuds in the market today. But their high price point may deter some people from purchasing them. However, there are several subtle ways that one could pick up a pair of AirPods from Apple for a lower price or with additional perks. While the deals below are lesser-known and may look secretive, they are available to each user who makes a purchase. AirPods Pro 2nd Generation (USB-C) The second-generation AirPods are the top true wireless earphones for Apple users for a suite of reasons. The latest product has swapped out Apple’s proprietary Lighting port for a standard USB-C port, which makes charging a lot more accessible. Apple’s H2 chip in the earbuds contains twice as many transistors as its predecessor, which allows better power efficiency. For example, a single charge could deliver up to six hours of battery life. The earbuds also offer a more stable listening experience and more effective ANC modes. Other features include its ability to pair with Apple Vision Pro to deliver Lossless Audio with ultra-low latency. Coming to the price of the newly launched product, one could purchase it on Apple’s website for about $250 or pay as low as $42 per month for 6 months with their financing offer.

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Website building with Square Online

Square Online provides e-commerce tools and services to help businesses set up an online store. Business owners can easily build a new website with the Square and begin selling their products. If your growing newly venture needs an e-commerce scale-up, you can create a fully functional digital store in minutes. Let’s look at what you can avail with a Square Online website. Features you’ll get with a Square website When you create a webpage with the Square website builder, you’ll be able to choose marketing features, interface customisation, and social media integration. The integrative features like syncing with Square POS lets you create an e-store that is set for growth, aling with the option of setting up contactless pay options for seamless transactions. Moreover, Square Online has a to-the-point dashboard that has great analytics so that you can easily map a customer’s journey on the site. The best part is that you don’t need any coding experience to set up a website with Square Online; it’s easy, quick, and efficient. Square website building costs If you want to simply try the platform to see if it works for your business, start by building a website for free with Square Online. There’s one condition though: you have to pay when you make a sale. Square will take 2.9% + 30¢ for every purchase made. There are other options too. like Professional, Performance, and Premium. We particularly like the Performance set up because it is economical at around $26 per month. And you get to publish customer reviews on the site and send emails to potential buyers who have abandoned their carts. The Premium option is the most expensive set-up costing around $72 per month, but you get additional cost-cutting features. Good alternatives to Square Online While Square Online has amazing features, it is not the only option for setting up an online store.

Popular DIRECTV packages to avail of

DIRECTV deals on TV packages are quite popular among customers looking for affordable and reliable television services. This service provider is known to offer great value for money with their innumerable plans. Moreover, several DIRECTV promotions are offered with these sometimes. No matter the budget, there is something for everyone. Here are a few popular TV packages from DIRECTV. Entertainment Package Reasonably priced at around $64.99 per month, the Entertainment package included a total of 160 channels. These include channels for sports enthusiasts and customer favorites such as Fox Sports, ESPN, and ESPN2. In addition, this package also offers channel premium preview for three months. This feature is often a part of DIRECTV promotions. Moreover, customers can access more than 40,000 titles on demand. Choice™ Package At just around $69.99 per month, customers get a blockbuster DIRECTV promotion deal with the Choice™ package, which includes more than 185 channels. What’s more is that there is a premium channel preview thrown in as well. In addition, there are more than 45,000 titles available on demand. Along with this, customers get 2021 season’s NFL Sunday ticket. Plus, a one-year subscription of HBO Max™ is often an added plus as a DIRECTV promotional offer! Ultimate Package Customers get access to a whopping 250 channels and more with this DIRECTV promotion deal on TV package. Called the Ultimate package, it is priced are around $84.99 per month. There is an additional Regional sports fee as well. This package has more than 55,000 tiles on demand along with access to tons of films with Starz Encore and the Movie channel. In addition, there is three-month premium channel preview as well. Also, the Ultimate Package offers 2021 season’s NFL Sunday ticket as well as one-year subscription of HBO Max™, which is a DIRECTV promotional offer. Premier™ Package For those who want premier and open access to all DIRECTV deals on TV packages, the Premier™ package is the right choice.

Essential CMS and CRM software to grow businesses

Business owners indefinitely look for ways to outrun the competition with the content on their websites. A CMS (content management system) software helps create, manage, and update these websites regularly. It also acts as a foundation for an online presence. For those in search of a viable cloud-based CMS software, here are three efficient options. WordPress Based on PHP and MySQL, WordPress allows a business to create a feature-packed blog or website. The website can consist of videos, images, written content, or other things suitable for a business. It offers users full access to their theme store, unlimited storage space, and a custom domain at cost-effective prices. Magnolia The cloud-based CMS software works best for businesses that require websites to execute any task. Magnolia allows the integration of e-commerce, analytic, social media, marketing automation, ERP, and even CRM. One can always add in these features as the business evolves. Weebly Weebly is a CMS that is easy to use and allows respective businesses to set up a simple website within minutes. It also sports a drag-and-drop format that enables its users to add or remove media and features to their website with ease. What’s noteworthy is that CMS is not the same as CRM (customer relation management). However, the two can complement each other. CRM software allows businesses to improve sales and monitor customer relationships, among other features. Here are three cost-effective CRM software to pick from. Zoho CRM Zoho enables users to get a 360-degree view of their business. It also allows them to track essential sales and marketing opportunities while increasing their conversion rate. The platform is host to over 150,000 customers globally. Further, the software has stellar features, including an AI-powered sales assistant, price and quote generation, and process management. Nimble Nimble, simple by its digital nature, can function within the G-Suite inbox or Office 365.

Benefits of wet and dry cat foods

If you’re a cat parent, you’d already be aware of their eating habits. Cats prefer a variety of meals in small proportions. No wonder we find them grazing over their bowls time and again. Although, if you’re new to the concept of wet and dry foods for cats, dive right in, for we’ve got something for you. There are benefits of serving both wet and dry foods to felines. Mainly because, unlike dogs, they’re difficult to please, and one can’t trick them into things they don’t like. If your cat is a fussy eater, they may enjoy wet food better. Find out the benefits of the best dry and wet cat foods. Benefits of dry cat food While dry cat food is convenient to store and serve, cats may throw tantrums if served the same food every day. However, dry cat foods help maintain their dental health by preventing the buildup of tartar. Dry foods are also the best way to get the cat to chew its food, exercising its jaws. These foods are ideal when cats are suffering from diarrhea as it helps add bulk to their stool. Some best dry cat foods that are readily available in every kitchen include: Cooked sweet potatoes Beef Pork Lamp Dark meat chicken Cooked carrots Banana Green beans/ asparagus/ broccoli (steamed) Melon Spinach Pumpkin Peas Benefits of wet cat food Wet cat food has a potent aroma and taste, making it ideal for fussy eaters. Cats have a stronger sense of smell than taste, and that’s why they tend to lean more towards foods with a fresh aroma. Additionally, wet food is a great way to keep your feline friend hydrated, especially when they don’t consume adequate fluids in a day. Wet cat food helps induce digestion and prevents constipation. It also helps keep stomach issues at bay.

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6 best upcoming Viking Ocean Cruises in 2021-2022

6 best upcoming Viking Ocean Cruises in 2021-2022

It’s no secret that Viking Ocean Cruises is one of the best cruise lines to enjoy a luxurious cruise vacation with your friends or family. Their fleet of state-of-the-art ocean ships takes you to the most exotic destinations around the world. This article looks at some of the best upcoming Viking Ocean Cruises sailings in 2021-2022, along with Viking cruise deals and airfares. Panama Canal and Central America If you want to explore rich Caribbean diversity, this ocean cruise is the perfect opportunity. It’s a 15-day Florida roundtrip cruise that takes you to seven gorgeous countries, including Panama, Jamaica, Honduras, and Mexico, among others. Pricing: Cruise fare starts from $4,299. With Viking’s Special Cruise Savings deal, you can save up to $300 on airfare. You can also save up to $500 on basic accommodation (Veranda). Departure dates: 26th November and 10th December Los Angeles, California, to London Witness the diverse landscapes of Oahu (Honolulu), Kauai (Nawiliwili), Bora Bora, New Zealand, Tasmania, and Brisbain, among other places. This 119 days cruise could be a vacation of a lifetime for you and your family. It departs from Los Angeles, California, and its last stop is in Tilbury, London, which lasts for two days.
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Oil change coupons for your Ford Motor

Oil change coupons for your Ford Motor

Frequent motor servicing is expensive, but a Ford engine needs regular oil changes to keep it functioning optimally. Luckily, many dealerships offer coupons for a discounted oil change. Depending on your car model, your engine will require either synthetic, semi-synthetic, regular, or premium oil. Once you know the type of oil that needs to be replaced, look for a service center that has it, and check out these coupons for your Ford motor. These will make an oil change a lot more affordable. The Works® Package coupon Almost every Ford dealership is familiar with the popular Works® package coupon. With this deal, you get six quarts of Motorcraft® oil, which is a high-quality synthetic blend. The costs differ depending on if the vehicle needs premium oil; it will cost something around an additional $30 dollars. If you want to avail of this offer, get in touch with a local dealership and ask them if they accept this particular Ford Motors coupon for oil change. The Works® Package also includes brake inspection, battery test, and filter check, along with oil replacement. Santa Margarita Ford Express Service Santa Margarita Ford, based in California, is an automotive venture that specializes in Ford motor servicing.
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