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11 ways to get personal loans with bad credit

Financial advisors almost always suggest that having a good credit score is the only way to secure personal loans. However, those who already have poor credit scores and need personal loans urgently may find it difficult to improve their scores overnight. The good news is that with the right strategies, those with bad credit reports can get their personal loans approved. So, here are some ways to secure personal loans with bad credit scores:

1. Get someone to co-sign the loan
The one who co-signs a loan promises to repay the loan in case the lender cannot do so. If the co-signer has a good credit score, lenders may approve the personal loan. One can consider asking trusted friends or family members to co-sign the application.

2. Correct errors in the credit report
Sometimes, the credit report may have errors, which may lead to low credit scores. An incorrect outstanding credit balance or a wrongly credited loan are some of the common errors here. So, before applying for a personal loan, one should check the credit report carefully and get any errors corrected from the bank.

3. Find a co-borrower
Having a co-borrower can increase the chances of loan approval. But this largely depends on the other person’s credit history, so one should choose a co-borrower with a good credit score. It is important to note that the credit scores of both borrowers will dip if they do not repay the loan on time. So, one should apply for a personal loan only after they have a plan in place to pay off the debt.

4. Establish the ability to repay
A recent salary hike or additional income source can increase the capability of repaying a loan on time. So, if there has been an overall increase in income, one should inform the lender about it. There is a chance that lenders may approve the personal loan on this basis.

5. Borrow a small amount
Asking for a large loan with a poor credit score would be met with higher chances of rejection. Lenders may feel more at ease lending a smaller amount here. If savings can cover a part of the required amount, then it is best to borrow only the remaining amount.

6. Pay bills on time for a while
Even a few months of paying bills on time can boost the credit score. If one can afford to wait for some time before borrowing, they should actively try to improve their credit score in this period by not delaying bill payments and improving credit utilization.

7. Be prepared for a hard pull
A hard pull or hard credit check is when a borrower asks to review the credit report before approving a loan. This request is recorded on the credit report, and multiple hard credit checks can affect the credit score. So, it is best to undergo multiple hard credit checks for the same product within 45 days, as this will be counted as one credit check.

8. Borrow with collateral
Banks and other financial institutions may approve loans if the borrower adds collateral, such as a bank account or a vehicle. If the borrower fails to repay the loan within the given time, lenders may take away the collateral. However, one should be prepared to give up the collateral in case they cannot repay the loan.

9. Compare minimum credit requirements
Different lenders may have varying credit requirements, so borrowers should compare terms of multiple lenders. Some may have a minimum requirement very close to the credit score, so there are higher chances of these lenders approving the personal loan.

10. Apply for a loan against property
This is a good option if one has more than one property. If the other house is not occupied and one is looking to dispose of it anyway, one may apply for a loan against the property. Here, the borrower’s property may be confiscated by the lender in case of failure to repay the loan. However, the approval of such loans depends largely on the value of the property and the ability of the borrower to repay the loan.

11. Apply for a gold loan
If one has some gold savings, it is a good idea to borrow with the gold as collateral. So, if unable to repay the amount, the gold may be procured by the lender. Gold loans are usually flexible, so they can be a good option for those with poor credit scores.

10 things to know before investing in precious metals

Investing in precious metals has long been popular for diversifying portfolios and protecting wealth. Precious metals like gold, silver, platinum, and palladium have maintained their value over time and could serve as a hedge against inflation and economic uncertainties. However, before diving into the world of precious metals investing, it's crucial to understand the nuances of this market and make informed decisions. This article explores essential tips to know before investing in precious metals. 1. Understand the types of precious metals Before investing in any type of precious metal, it is essential for the investor to understand the different types of precious metals available. The most common precious metals are mentioned below: Gold Gold, which is known for its historical value and stability, is often considered a safe asset. It might be bought in various forms, including coins, bars, and jewelry. Silver Silver is less expensive than gold and has various industrial uses, making it more volatile but potentially profitable. It's available in coins, bars, and other forms. Platinum Platinum is rarer and more valuable than gold, but it is also more volatile. It's used primarily in the automotive industry and is available in bullion coins and bars. Palladium Palladium is a precious metal primarily used in the automotive industry for catalytic converters. It's available in coin and bar forms. 2. Determine investment goals Investors should have clear investment goals before entering the precious metals market. They should focus and learn more about factors like protecting their wealth against inflation, diversifying portfolios, or understanding and speculating about short-term price movements. These goals could influence the type of precious metal an individual invests in and their strategy. 3. Conduct thorough research Investing in precious metals requires a solid understanding of the market. Investors should research historical price trends, supply and demand dynamics, and geopolitical factors that could affect the prices of these metals. Staying informed about economic news and global events is essential for making informed decisions. 4. Pick the right investment vehicle There are usually several options for investing in precious metals, including the following: Physical bullion This involves purchasing physical coins or bars of precious metals. While it offers direct ownership, it also requires storage and insurance. Exchange-Traded Funds (ETFs) Precious metals ETFs offer exposure to the metals' price movements without the need for physical ownership. They are traded on stock exchanges and provide liquidity. Mining stocks Investing in mining companies that extract and produce precious metals might be another way to gain exposure to the sector. Factors beyond metal prices, such as operational issues and management decisions, might influence these stocks. Futures and options Experienced investors may trade precious metals through futures and options contracts, but this involves higher risk and complexity. 5. Consider storage and security If an individual decides to invest in physical bullion, they should consider storage and security. Storing precious metals at home could be risky, as they might be vulnerable to theft or damage. Alternatively, one could use a secure vault or storage facility. Ensure that the storage option one chooses is reputable and insured. 6. Be wary of scams and counterfeits The precious metals market is not immune to scams and counterfeits. Investors should be cautious when buying from unfamiliar sources or unverified dealers. One should stick to reputable dealers and verify the authenticity of the precious metals purchased. 7. Diversify the portfolio Diversification is a key principle of investment strategy. Precious metals may play a role in diversifying a portfolio, but they should not be the sole focus. A diversified portfolio may include stocks, bonds, real estate, and other assets to reduce risk. 8. Consider taxes and regulations Diversification is a key principle of investment strategy. Precious metals may play a role in diversifying a portfolio, but they should not be the sole focus. A diversified portfolio should include stocks, bonds, real estate, and other assets to reduce the risk of losing a lot of money. 9. Stay informed and monitor investments The precious metals market could be highly volatile, with prices influenced by various factors. Investors should stay informed about market developments and regularly monitor their investments. One should adjust strategy to align with goals and risk tolerance. 10. Seek professional advice For those new to precious metals investing or those with substantial portfolios, seeking advice from financial advisors or experts might be beneficial. They may provide guidance tailored to the investor's specific circumstances and help the investor make informed decisions.

6 crucial debit card mistakes to avoid

Debit cards are convenient tools that allow one to complete a transaction easily. Since debit cards directly take money from the checking account, it ensures that a person only spends a limited amount. Plus, they do not even levy heavy interests like credit cards. However, despite all these advantages, one needs to avoid some mistakes when using debit cards; otherwise, they could end up losing money. Here are some common debit card mistakes to avoid. Using out-of-network ATMs As everyone knows, debit cards serve two purposes - making direct transactions (either online or by swiping) and withdrawing money from ATMs. What a lot of people might not know is that if they withdraw their money from an ATM that does not belong to their bank, they may be charged a fee for the withdrawal. Such ATMs are called out-of-network ATMs. The exact opposite of that is in-network ATMs, which are either owned by the respective bank or are within the bankâs partnered ATM network. By withdrawing cash from such in-network ATMs, one can avoid unnecessary withdrawal fees. Making big transactions with debit cards Debit cards do make shopping easier, but they also pose a slight risk. If an individual wishes to return an item that they purchased with a debit card, getting a refund for it wonât be so convenient. This is because when a purchase is made with a debit card, the amount can only be reversed when the merchant approves it. This is not the case with a credit card. Credit card holders can simply file a claim with the card issuer and get a refund on their returned items. This is why it is better to use credit cards than debit cards when shopping for expensive items. Not checking the balance regularly When using a debit card for shopping or other transactions, it is advisable to check the account balance before and after every transaction. The main reason is that payments made with a debit card sometimes take time to reflect in the account. So, if an individual only checked their account balance directly after they made a payment, they may not be aware of the amount remaining after that payment was deducted. Then, if they proceed to make a new payment without checking the prior balance, their transaction may get bounced if there is not enough balance. To avoid such a mishap, keep an eye on the checking account balance regularly. This also keeps one informed about any fraudulent transactions that could have taken place. Keeping the cardâs PIN written Even though this is common knowledge, many individuals still make the mistake of keeping their debit card PINs written down. Since a debit card can give one direct access to all the savings and funds present in the account, their PINs must be kept secret. If someone gets hold of the written PIN along with the debit card, they may drain the entire account. This becomes an even bigger risk if a person prefers keeping a parchment with the PIN written on it in their wallet. If a thief manages to steal the wallet, they may get hold of the debit card PIN and steal oneâs hard-earned money. Not confirming the cancellation of crashed transactions One may have faced this situation quite often when they try to pay at a storeâs register and it crashes in the middle of the transaction. In such a scenario, the person handling the register may immediately initiate a new transaction after it starts working again. This is where a lot of individuals can end up losing money. So, when a register crashes, one must immediately confirm with the store manager if the amount got debited from their card before the crash. One can also call their bank to check if the transaction went through. If one neglects to do so, they may get charged double the amount as the money could have been debited with the first swipe. Making online transactions using a public Wi-Fi Public Wi-Fis are never safe to use, especially for making transactions. The reason is that, due to their low security, a hacker can easily attack and access the systems of other users logged onto the same network. So, if a person enters sensitive information like their debit card credentials, they risk that information getting stolen and their money getting robbed right out of their checking account.

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6 of the most recognized running shoe brands

If you want to invest in a pair of good-quality running shoes, choose one from a brand that specializes in making them for professional and casual runners. Look for a manufacturer that offers good arch and pronation support that matches the shape and size of your feet. Generally, a pair of running shoes cost between $110 and $150, while some iconic and popular shoes may cost higher. To help you choose from the top brands, here are the leading running shoe brands that are popular among runners: Brooks Brooks is originally from Canada and operates in the U.S. The brand has been making shoes since 1914 and started making running shoes after the Olympics in 1972. The collaboration of Jerry Turner from Brooks, David Schwaber of a rubber company, and Marty Liquori, a long-distance runner, created a cushiony midsole material from ethylene vinyl acetate. Using this, they introduced the Brooks Villanova in 1975. Their pioneering innovation then became the norm for other brands making sneakers. Some of its other innovations of Brooks include a removable sock line, silicone fluid, GORE-TEX, diagonal rollbar, use of pods on the outsole, and use of flexible material under the ball of the foot. Some of the most well-known running shoes from Brooks include the MOGO series, Green Silence, PureProject, Transcend, and the DNA series.

4 timeless jewelry pieces every woman must own

Every woman, irrespective of age, uniquely expresses her fashion style. And accessories play an important role in the manner of expression. If you think that classic metal or gemstone jewelry is expensive or unsuitable for everyday use, it’s time to change your opinion. Some must-own timeless jewelry pieces can never go out of style. They instantly amp up your look no matter the outfit and garner eyeballs wherever you go. Make these exquisite jewelry options yours now. Stud earrings Stud earrings are dainty yet elegant pieces of jewelry. They fit quite well on the top of your ear, emitting the right amount of sheen. It has a singular point with a post that passes through the pierced ear, connected through a backing or a clutch behind the ear. The stud, the main part of the earning, can be made of bare metal like gold, silver, or platinum and/or hold a gemstone like a diamond, ruby, sapphire, emerald, coral, or pearl. The size of the stud and the type of stone could determine the price of the pair of earrings. While stud earrings made with precious stones can be expensive, you can opt for those affordable options with semiprecious stones like turquoise, rose quartz, or garnets.

5 leading SUVs and useful buying tips

Sports utility vehicles, or SUVs, have come a long way from being mere large-family vehicles to one of the most versatile and in-demand passenger cars. They are safe, well-designed, spacious, and fun to drive. The large-SUV market segment’s revenue is estimated to reach $148.60 billion in 2022. With increasing interest and demand, many new or redesigned models have entered the market. Here are a few leading SUVs to look for: Hyundai Tucson Hyundai has redesigned the Tucson completely. The 2022 version has multiple trim levels, including a sporty N Line model and a rugged XRT model. It also has three different powertrain options: hybrid, gasoline, and plug-in hybrid. Further, the 2022 Tucson has upgraded infotainment systems, multiple rear USB ports, Wi-Fi hotspot, top-class safety features, and driver-assistance technologies like cruise control, blind-spot collision avoidance systems, and driver attention warning. The price of the 2022 Tucson starts at around $25,350. Jeep Grand Cherokee Jeep Grand Cherokee is a mid-sized SUV. The 2022 variant, redesigned to offer a smoother ride, can accommodate five passengers in its top-class interiors with comfortable and supportive seats. The car has three powertrains: the existing V-6 and V-9 and a 4xe plug-in for the hybrid variant. Rear-wheel drive is standard in all models with V-6.

3 important factors to consider before buying new tires

New all-season tires last for about six to seven years with minimal use and about three to five years if you drive about 12,000 to 15,000 miles a year. The National Highway Traffic Safety Administration (NHTSA) estimates that worn-out tires cause 11,000 accidents every year. To ensure your safety and others on the road, you must change your tires as and when required. Before you buy them, keep the following points in mind: Know to read the tire codes Learn about the tire code to know the right tire for your automobile. If you look carefully, you will notice a code with letters and numbers on the sidewall of your tire. Knowing the tire codes is important to buy similar or better tires that fit your wheel. Some of the relevant codes you need to know when you buy a new tire are: Tire type – the first alphabets indicate the tire type P for passenger cars LT for light truck tires ST stands for special trailer tires T for temporary or spare tires Tread width The three-digit number represents the tread width, the distance between sidewall edges in millimeters, followed by a slash and a ratio. Aspect ratio A two-digit number follows the slash and indicates the tire height from bead to tread.

4 hair styling tools that give a salon-like look

If you like to style your hair frequently without having to spend money at salons, you can invest in some basic hair styling tools. These tools can create beach waves or curls or even straighten them out. There are many hair styling tools that are versatile, easy to use, and do little or no damage to your hair. If you want to invest in hair styling tools, here are a few tools to check out: Hair straightener and curler Combining a hair straightener and curler that is suitable for all hair types allows you the freedom to try out trending hairstyles. Look for a professional straightener or curler with a ceramic or copper flat iron. Choose a flat iron that allows you to control the temperature so that you don’t damage your hair. Experts claim that setting the straightener or curler to temperatures as high as 455 degrees can help straighten the most challenging and rigid curls. The copper ceramic tools also ensure that the hair doesn’t break while you are straightening, leaving your hair straight and smooth once you are done. You can also choose regular and smart Bluetooth straighteners to help you choose the best temperature and care settings every time you use the tool.

8 effective remedies for nasal polyps

Nasal polyps are tiny tear-shaped growths in the nose and sinuses, usually brought on by asthma, infection, allergies, or other kinds of inflammation. These polyps are usually painless and non-cancerous, however, they can be big enough to cause itchiness, breathing difficulties, sneezing, and running nose. Doctors usually prescribe nasal sprays that can relieve the symptoms and get rid of the polyps. However, one can also try a few natural remedies to deal with the condition: Neti pot (or nasal irrigation) Neti pot is a popular and convenient nasal irrigation device. All one has to do is fill this container with saline solution or add 1–2 tsp salt to distilled water or boiled (and then cooled) tap water. Then, one would have to lean over a washbasin or a sink and tilt their head sideways so that the liquid does not flow back into the mouth. One would have to breathe through the mouth, insert the spout into the upper nostril and allow the fluid to drain from the lower nostril. Then the nostrils will have to be cleaned by blowing the nose to remove mucus and dirt. This process should be repeated through the other nostril. The goal is to loosen and clear the mucus and debris like dust or pollen from the nasal cavity.

11 ways to get personal loans with bad credit

10 things to know before investing in precious metals

6 crucial debit card mistakes to avoid

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