9 ways to get a personal loan with bad credit
Finance

9 ways to get a personal loan with bad credit

The term “bad credit score” can be quantified in many ways. For example, as per FICO ratings, a score of below 670 is considered poor. Likewise, VantageScore has its threshold at 661. A bad credit score greatly reduces an individual’s chances of getting loans from banks and other financial institutions. Nevertheless, there are certain borrowing avenues and ways to get personal loans with bad credit scores. Some of those useful options include: Make soft-credit inquiries This avenue is known as seeking prequalified loans from banks. Several lenders allow customers to submit prequalification online to let them see their estimated loan offers without affecting their credit scores. Soft-credit inquiries are effective for receiving a pre-approved loan from banks and other financial institutions that lend money to individuals. This process involves discussions with several potential lenders to assess one’s loan options. One must avoid making hard credit inquiries (loan inquiries in which lenders request to review the loan seeker’s credit report, as opposed to soft-credit inquiries that only involve talks), as that can further lower one’s credit score. Keeping personal identification handy Before agreeing to sanction loans for individuals, banks need them to reproduce their personal documents, including their social security number ID, driver’s license, W-2 forms from the previous two years, two most recent bank statements from all accounts, recent utility bills, mortgage statements, pay stubs, federal tax returns of the last two years, and other documents that verify one’s residential address, personal loan information, and overall contact details.
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18 essential factors to consider before investing in precious metals
Finance

18 essential factors to consider before investing in precious metals

Investing in precious metals has held appeal for individuals seeking to diversify portfolios. Precious metals such as gold, silver, platinum, and palladium have historically maintained intrinsic value, making them a sought-after asset class. However, before delving into the world of precious metal investments, it is crucial to understand the nuances and factors that can significantly impact investment decisions. This article delves into key aspects to grasp before embarking on precious metal investments. Types of precious metals The term “precious metals” encompasses a range of metals, with gold and silver being the most popular. Platinum and palladium also come under this category, albeit less commonly traded. Each metal possesses unique properties and applications, influencing market dynamics and value. Thus, one should research the different types of precious metals and possess sufficient knowledge before investing in them. Intrinsic value Precious metals are valued for their utility, beauty, and rarity. Unlike other assets, they possess intrinsic value not reliant on the performance of a specific company or government. This inherent worth provides a degree of stability to investments. Understanding the intrinsic value of different precious metals is essential to deciding what precious metals to invest in. Price volatility While precious metals are often considered safe-haven investments, their prices can still exhibit high volatility.
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13 common mistakes to avoid while investing in gold
Finance

13 common mistakes to avoid while investing in gold

Investing in gold is always a popular choice for those seeking to diversify their portfolios and protect their wealth. Gold’s intrinsic value and lasting significance have made it a coveted asset throughout human history. However, investing in gold can require a little research, especially for those who are new to the world of precious metals. So, here are some common mistakes people make when investing in gold and how to avoid them: 1. Lack of research One of the most fundamental mistakes investors make is diving into the gold market without sufficient research. Understanding the various forms of gold (bullion, coins, or jewelry), the factors affecting gold prices (supply and demand, economic conditions, and geopolitical events), and the different investment options (physical gold, gold ETFs, and mining stocks) is crucial. Without this knowledge, investors may make uninformed decisions and risk losing money. 2. Failing to set clear goals Before investing in gold, it is essential to define financial objectives. This can include the preservation of wealth, hedging against inflation, or profit from short-term price fluctuations. Without clear goals, one may make impulsive decisions and find it challenging to determine when to buy or sell gold. 3. Ignoring transaction costs Investors often overlook transaction costs, such as premiums on physical gold or fees associated with buying and selling gold-related assets.
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Popular Articles

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5 mistakes to avoid while using vacuum cleaners

Vacuum cleaners are one of the most reliable home cleaning appliances. With the help of the machine, cordless or corded, one can get rid of dirt, cobwebs, and allergens found around the house. The device is used for cleaning purposes, therefore, it is vital to handle the vacuum cleaner correctly for optimal usage. That said, not everyone knows how to use a vacuum cleaner efficiently. Below are the common mistakes made while using them: Failing to empty or clean dust bags and filters It is important to empty and clean vacuum dust bags regularly. Failing to do so can affect the efficiency of the vacuum cleaner. Despite vacuuming, if you still notice dust stains on the carpet or the floor, it’s an indicator to empty the dust bag. Another tell-tale sign for the removal of dust bag is when your vacuum cleaner seems to be losing its suction power. The frequency of emptying the vacuum bags will depend on how often you use the device. A full vacuum dust bag will lead to an accumulation of dust and the breeding of bacteria and germs in the bag. Many latest models are equipped with disposable bags that are much more convenient.
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02

How to manage osteoporosis and improve bone health

Osteoporosis is a condition that makes the bone brittle and weak. When severe, even slight pressure caused by coughing, bending over, or falling can cause a fracture. Such fractures are predominant in the spine, wrist, or hip. Osteoporosis occurs if the new bone fails to keep up with the loss of the old bone. It affects men and women, but post-menopausal women are more susceptible. Let’s discuss the correct osteoporosis treatment and management plan: Treatment plan Prolia It is a prescription treatment plan for relieving osteoporosis in women post-menopause who cannot use other options or have not responded well to prior treatment and are susceptible to fractures. Doctors will prescribe it for at least six months. Prolia helps treat both men and women. However, professionals do not recommend it for pregnant women, women trying to get pregnant anytime soon, or people with low blood calcium. Further, those allergic to denosumab or any other Prolia ingredient must avoid it.   Evenity Evenity helps with osteoporosis in two ways: it slows down bone loss and helps build new bone simultaneously. It is an FDA-approved treatment for osteoporosis that comes as a prefilled, single-use syringe with solution. But Evenity may have severe side effects.
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10 human foods that are safe for dogs

Many pet owners tend to share their own food with their pets. After all, it can be hard to say no to the puppy eyes watching you while you cook or eat. However, humans and dogs metabolize food differently, and so, what is safe and healthy for you can be dangerous for your four-legged companion. So, here are a few safe and delicious human foods that even dogs can enjoy: Peanut butter Not just us, even dogs can’t get enough of peanut butter. Fortunately, it is safe for dogs and contains nutrients like healthy fats, vitamins B and E, protein, and niacin. However, it is high in fat and calorie content, so overindulgence can lead to health issues. Also, plain peanut butter that does not contain added sugar, salt, or artificial sweeteners, should be offered to dogs. Chicken Cooked chicken, without bones and spices, can be a perfect meal for canines. It is one of the best sources of protein, making it one of the most common ingredients in dog foods. Cooked chicken bones should never be given to your pets as these bones can splinter and lead to choking. Carrots Carrots can be your go-to choice for veggies that can be shared with dogs.
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