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Creating a credit from the start is such a hectic task. Not many financial institutions can trust you without a credit history. Here is some of the critical information to know about building credit.
How to Build Credit with a Credit Card
A Credit card is one of the most used means of building credit for beginners. Use your credit card regularly and making repayments on time. The more you use your credit card and repay on time, the higher your financial discipline hence the possibility of good credit.
You have to understand though that you won’t qualify for some of the major credit cards in the earlier stages. As a start, consider the different cards offered by the stores. These cards work similarly to a credit card. To help you land the best credit cards to build credit, consider store cards that work with the credit bureaus.
How to Build a Credit without a Credit Card
Building your credit depends on your ability to manage loans. For most credit cards provide the easiest ways to get loans. For others, though, credit cards are not their best option. If you don’t fancy a credit card, you still have several avenues of getting and managing a loan.
The first step towards creating the credit is by paying all your bills on time. While in most cases, the regular bills like rent, water and electricity don’t affect your credit, reporting them allows for consideration. Paying off your college loan also helps in building your credit. The other options include seeking for any regular loans like a mortgage or car loans and repaying on time.
How Credit Score affects you
As long as you will be looking for financial support, then your credit score must play a role. No financial institution can trust you with their money if you have poor credit records. Other than the big financial institutions, other lending facilities like care lending also look into your financial records. Even though it is not a requirement for most jobs, working in the financial sector and dealing with sensitive information requires a stellar credit record.
Mistakes that Impacts Your Credit Score
Building your credit requires discipline and sticking to a plan. Any error that affects your credit can stay on your records for as long as seven years. You must, therefore, avoid making such mistakes at costs. One of the main mistakes first-time credit card holders commit is taking credit that you cannot afford. Before you take in more debts, understand how you will repay them. Failure to repay or late repayments have adverse effects on your credit score.
Credit card churning is another mistake that beginners are prone to. While taking up different credit cards due to the sign-up bonuses and rewards, servicing them, later on, can be quite hectic. Lastly, failure to protect from credit card fraud makes one susceptible to criminal activities using their details, thus damaging their financial reputation.
A sound credit card is not a gift that anyone hands to you. You need a deliberate plan to grow the credit, with or without a credit card. The more responsible you are at managing your finances, the better your credit score.
Singer Rihanna was honoured by Prime Minister Mia Mottley at an event which marked Barbados's new status as a republic, which was attended by Prince Charles. Addressing the pop star by her real name, the PM said: "Robyn Rihanna Fenty tomorrow morning shall have conferred upon her the order of national hero of Barbados."
Rihanna was then summoned from her seat to accept the honor, with the Prime Minister managing to rouse a laugh from the singer when she referenced her 2012 hit 'Diamonds', reports femalefirst.co.uk. She added: "On behalf of a grateful nation, but an even prouder people, we therefore present to you, the designee, for the national hero of Barbados." "And to accept on behalf of a grateful nation - you can come my dear - ambassador Robyn Rihanna Fenty, may you continue to shine like a diamond and bring honor to your nation." Rihanna, who was born in the St Michael parish of Barbados, found fame in 2005 after being spotted by a record producer and has since gone on to become one of the most successful female artists of all time with sales of over 250 million and recently reached billionaire status through her Fenty beauty brand.
The Prime Minister continued in her speech: "Commanding the imagination of the world through the pursuit of excellence, her creativity, her discipline, and above all else, her extraordinary commitment to the land of her birth. "Having satisfied that, Ambassador Robyn Rihanna Fenty has given service to Barbados which has been exemplified by visionary and pioneering leadership, extraordinary achievement and the attaining of the highest excellence to the Government of Barbados." It comes after a historic move for Barbados, which has become a republic after almost 400 years and welcomes its first president, Sandra Mason, after removing Queen Elizabeth as head of state. (IANS/ MBI)
(Keywords: National hero of Barbados, Robyn Rihanna Fenty, Prince Charles, Barbado, Mia Mottley, Prime Minister, Rihanna)
By Manav Bhatia
It's that time of the year when there are festivities galore and entertaining comes to the fore. Manav Bhatia, Founder Trunkin shares some tablescapes for the season
Christmas Tablescapes: Whether it's cherry red tablecloths or plush green napkin rings, there's something for everyone. Red and green are synonymous with colour themes this time of year.
Red and green are synonymous with colour themes this time of year. | Photo by Libby Penner on Unsplash
Finish it off with Royalty: Jewelled napkin rings are an essential table accessory. Jewelled beads in the centre of a napkin ring surrounded by metal carving can be combined in a variety of forms and sizes and gives a touch of glamour.
Jewelled napkin rings are an essential table accessory. | Photo by Jonathan Borba on Unsplash
Touch of Smoke: Winter is the season when evening decor is especially important for parties, get-togethers, and bonfires. Colours in grey and ivory combine night with the day. Embroidered tablecloths, paired with lit glass votives, adds refinement to the evening.
Embroidered tablecloths, paired with lit glass votives, adds refinement to the evening. | Pxhere
Smearing of Wood: Nature's finish using ferns and drift wood for decor instead of flowers add to the winter feels.
Wall Hangings: Embroidered and beaded hangings add a touch of elegance and are traditional accessories for Christmas. (IANS/ MBI)
(Keywords: Wall Hangings, Wood, Winter, Smoke, Royalty, Christmas, Festivities, Perfect Setting)
Have you ever faced eye redness? Or have witnessed blurry or foggy vision? Or experiencing halos around lights? Or nausea and vomiting are very common for you. You may well be suffering from Glaucoma which needs immediate attention.
Glaucoma is the second most common causes of blindness worldwide, according to a report by World Health Organisation (WHO). Typically, it occurs in people with over the age of 60 however it can occur at any age. It is also estimated that globally 79.6 million people are affected with glaucoma, half of them being Asian population. While in India, around 11.9 million people suffer vision impairment and out of which 1.2 million cases are due to Glaucoma. It is a growing concern for the population in India. Even after these high numbers, the enormous majority remains undiagnosed, and untreated. More than 90 percent of cases of Glaucoma remain undiagnosed.
Glaucoma is the second most common causes of blindness worldwide, according to a report by World Health Organisation (WHO). | Wikimedia Commons
Glaucoma is a condition that damages the nerve of the eye. The increased pressure in the eye, which is known as intraocular pressure, can damage the optic nerve which is responsible for sending images to the brain. If the damage worsens, glaucoma can cause permanent vision loss or even total blindness within a few years. According to WHO, there are different kinds of glaucoma, though, the two most common are, primary open-angle glaucoma (POAG), having a slow and slow and asymptomatic onset, and angle-closure glaucoma (ACG), which is less common, yet more acute. Hence, it is important for everybody over the age of 40 years to have a regular eye check-up.
The eye disorder may be treated with the help of eye drops prescribed by Ophthalmologist. There are various options available to lower intraocular pressure to the desired level. Depending upon the need of the patient, doctor may recommend combinations of eye drops, but it is of utmost importance to use the drops on a regular basis. However, consulting a specialist should be the first priority if diagnosed with glaucoma, but most of the population will first opt for home remedies then will consult chemists' shops for medicines and if the issue is still not resolved then will they think of a specialist. There is a need to modify the mindset of the people and when it comes to sensory organs zero negligence rule should be followed.
The eye disorder may be treated with the help of eye drops prescribed by Ophthalmologist. | Photo by CDC on Unsplash
Awareness is the key to managing Glaucoma better. The need of the hour is to include eye care as part of the health check-up. Timely detection of Glaucoma will lead to proper medication and diagnosis by an Ophthalmologist. Talking about prevention, early detection will help in managing glaucoma before significant damage occurs. Glaucoma can be because of genetics as well hence knowing the family's eye history is important. Regular and moderate exercise may help prevent glaucoma by reducing eye pressure also eye drops can significantly reduce the risk that high pressure will progress to glaucoma.
Also, there are few home remedies that anyone can follow to avoid glaucoma. Consuming healthy food, using eyewear, avoiding head-down position, keeping oral hygienic, and protecting eyes from sunlight are a few of such remedies. One should be mindful of the fact that Glaucoma is irreversible blindness and awareness can help us in fighting it. Depending on the condition an Ophthalmologist may prescribe an oral medication or may suggest therapies. In severe conditions, doctors can also recommend surgeries like Laser therapy, Filtering surgery, Drainage tubes, minimally invasive glaucoma surgery (MIGS). (IANS/ MBI)
Keywords: eye disorder, eye, India, World Health Organisation, blindness , foggy vision, eye redness, Glaucoma, Ophthalmologist