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Posted 11/12/17 at 4:37 AM | David Fournier

How to Check and Improve Your Eligibility for Personal Loans

Considering the financial and economic fragility of the world we live in, it’s hardly a wonder that people feel the need to, at least, know everything about personal loans. These loans can bail you out of tricky situations in life, and can help you arrange finances for your business and personal endeavors. To put things in perspective - here’s a fact check. By June 2017, unsecured consumer credit in UK had surpassed the £201bn mark, marking a 10% increase in the year. This proves how so many people seek refuge in personal loans to address the financial challenges life throws at them.

So, if you face a sudden cash crunch, personal loans can be the perfect solution. Here’s how lenders evaluate whether you qualify for personal loans without attracting unnecessarily high rates of interest.

Your Credit Score

Kind of obvious, right? Yes, but here’s what you might not know. Credit utilization ratio is an important measure that can contribute as much as 30% to your credit score. Here’s a trick to improve your credit utilization score. Pay off a good chunk of your credit card debt, and ask for a credit limit increase. This significantly reduces your credit utilization which on turn pushes your credit score up. FULL POST

Posted 11/9/17 at 11:06 AM | David Fournier

Do Now Let Fear about Money Overtake Your Heart

People sometimes tend to forget the most commonly used commandment of the Bible. “So do not fear, for I am with you; do not be dismayed, for I am your God.” (Isaiah 41:10).They give way to fear and it messes with their lives. Fear is a powerful thing; it can reinforce itself before you notice it. But you shouldn’t let it be more powerful than your Faith in the Lord.

Some people like to think of fear as a challenge they have come through to be closer to God. God has created everything in the world, along with the obstacles you now need to overcome.

The first thing to do is to pray. The prayer and the energy of words tend to sooth people. Prayer will start building up the good emotions in you and make your mind clear for the universal wisdom to come.

When it comes to money, some people remember that God has provided everything they need including a certain amount of money. Some people choose a more practical way and apply to special services for small personal loan money help online . However, seeking some help from outside shouldn’t shake your faith in God. It should only reinforce the trust in the good in people. FULL POST

Posted 11/8/17 at 11:28 AM | David Fournier

Best High End Interior Design Tips for Your Home

Interior design is not a cheaper option. Luxury interior design still more expensive. However, if you are not averse to creative ideas, it may not be difficult to go for some high end and luxury interior design for your home without having to be expensive. We present you the best tips for high-end designs for your home. The Luxury Interior Design need not be a costly affair at all as you may think. How can you make your home look luxurious without any need to break your bank? This is what we will discuss in this post.

Keep Your Home Clutter-Free

You need not buy any luxury item to make your home look luxurious. The basic issue with any ordinary home is that it goes cluttered over time. The amount of junk that accumulates over time is what makes your home look disturbing.

Let go of all your unnecessary belongings. Declutter everything around. You should actually be left with what you really need. Closets filled with the items that you are never going to use is something that would go against what is considered luxury. If you want to showcase something that you have, it is wiser to arrange it sparingly. This will help it get maximum exposure to it as visitors would notice it. FULL POST

Posted 10/29/17 at 12:05 PM | David Fournier

5 Reasons People Need Health Insurance

Health insurance costs are not always easy on the budget. When you are an active and relatively healthy person in the prime age, you might feel like the cost of medical insurance is unappealing and you can go on without it. However, you’re doing yourself a disservice by going on uninsured and there might be a time when you wish you’d thought harder about getting medical insurance.

In fact, there are five compelling reasons you need health insurance.

1: The law requires you to have it

The most obvious reason for having medical insurance is, in many cases, the fact that it’s legally required. In the UAE, residents must have appropriate health insurance and if you don’t, you might be fined. Therefore, you can’t just assume that health insurance is a matter of personal choice but you have to be aware of the legal requirements of having it.

This doesn’t mean you don’t have options in terms of what kind of cover you get. You can compare different policies, enrol on the employer’s health insurance program and so on – it’s just important to have some form of cover. So, don’t opt for the first option you see but keep your eyes open for the best deals. FULL POST

Posted 10/10/17 at 2:01 PM | David Fournier

5 Best Support Ticket Practices to Follow

Working in IT helpdesk support services can be a rewarding but challenging experience. Tasks can come pouring in all at once, customers may be difficult, or resolving a problem can be frustrating. Fortunately, we’ve put together 5 steps that can be integrated into your workday to make it a little less difficult.

1. Start with Your Difficult or High Priority Tasks First

Prioritizing your tickets/tasks can set your workflow for the day. Studies show that we’re most productive in the morning, so take advantage and tackle your most difficult tasks first. Once you get through your hardest tickets, the rest should be relatively easy.

2. Be Courteous With Your Clients

Understand that when most clients contact you, they are probably already frustrated with their issue. Don’t take their frustrations personally, and assure them that you’ll work on resolving their issue as soon as possible. Take the time to listen to your client; it will benefit both of you throughout the interaction.

It is also important that you control the context of the conversation. Your time is important and you likely have other tickets to complete. Get to the root of the issue as quickly (and courteously) as possible. There also needs to be a mutual respect between you and your client. You can empathize with their frustration, but if they’re being rude, make them understand that you are there to help them but that being disrespectful will only make the process more difficult for the both of you. FULL POST

Posted 10/8/17 at 6:53 AM | David Fournier

8 Apps That Will Make Your Life a Lot Easier

Modern life can be difficult. Everybody seems to be in a rush all the time, there is a seemingly constant pressure to improve yourself and money can seem like nothing more than a figment of the imagination. Modern life can be a real struggle. On the flip side, however, modern life provides a few nifty tools for dealing with the stresses that people face every day. There are all sorts of apps that make life a little easier so let’s have a look at some of them now. For those who are more visually inclined, you can find the infographic for these apps here:

The Best Apps That’ll Make Your Life Easier

1. Getting From A to B

We all know about Google Maps. It can be hard, however, to keep up with all the updates it gets and the new features they bring. For example, you can now find out when is the best time to travel and even transmit your live location to friends and family so you do not constantly have to update them on your whereabouts. FULL POST

Posted 10/6/17 at 2:21 PM | David Fournier

Top 5 Ab Workouts For Women

Ab workouts form a basic part of any workout regime. But, what makes it even tougher is the hard work you need to put in that results in only a marginal difference? Does it not appear to be waste of time? Are there any regimes and exercises that promise better and more importantly, faster results? We consulted the professionals to know more and present you the best regimes you can use for the effective Ab Workouts  that should work better.

1. Cable Twist

This regime is what would help you achieve your core. The exercise lets you learn the ways to maintain your core stability.

How to Do it –Stand with your right to the cable stack. Keeping the cable at your chest height, extend your arms in front. Now keep abs tight and twist torso to left, keeping hands at chest height. Do this ten times. Now turn to opposite direction and repeat the steps – this time twisting to the right. Repeat ten times.

Don’t pull the cable as it forms part of shoulder exercise. If you don’t have a cable stack, use a resistance band instead.

2. Shoulder and Knee Taps FULL POST

Posted 10/3/17 at 12:03 PM | David Fournier

Why Learning Music Is Good for Kids’ Brains

With parents’ busy lives and kids’ demanding school schedules, it can be tough to choose the right extracurricular activity for your daughter or son. There are a lot of terrific options for kids these days, each offering different benefits, but here are just a few ways music education can help your child!

Improves Academic Performance

Music education has proven to be an excellent tool for improving children's academic performance, particularly in math. Music is a fantastic way to practice real-world mathematical concepts. Western music (i.e. everything from Mozart to Hip-Hop to K-Pop) is based on the 12-tone system, meaning there are 12 separate pitches between octaves. All music we hear in our everyday lives is based around patterns between these 12 notes, between measures (often of 3 or 4 beats, but there are many more possibilities). Patterns which sound “good” to our ears, like a major chord or a V-I cadence, are mathematically linked by the frequency of each pitch involved. Children who have been instructed in the concepts of scales, beat, and rhythm have shown an increased ability to divide, multiply, recognize patterns and work with fractions. Learning music through the memorization of these patterns also helps students with both short term and long term memory. This could be a possible reason why so many many successful musicians are able to overcome their ADD and ADHD. FULL POST

Posted 9/28/17 at 1:47 PM | David Fournier

What A Married Guy Said To His Friend Who Was About To Get Married

We both were childhood friends. Grew up in the same neighbourhood. Went to the same school. Bunked the same college. Liked the same girls J

So when I was about to get married, I couldn’t think of anyone else but Amit to have ‘the talk’ with. I was slightly nervous about the wedding and the future. Amit and Maya had been married for over a year and I thought no one would give me better advice about marriage than him.

And he came through! The five golden rules he told me about marriage that day over a cup of coffee have helped me so much in enjoying a happy successful marriage.

Rule Number 1: Marriage is the coming together of two families. Your marriage includes not only your wife, but your wife’s family as well – you should respect and participate in her family as much as you expect her to respect and participate in yours. You must remember to include them in your happy moments and take care of them if things get hard. But also remember to keep them out of your fights. Never say hurtful things about each other’s families in a moment of rage. This creates unnecessary unpleasantness. FULL POST

Posted 8/29/17 at 12:01 PM | David Fournier

5 Tips for Choosing Safe Skincare Products

We are all aware of the variety of beauty products we have in the market, different brands, different labels and fancy packaging, and different prices. Unfortunately not everything on the shelf is the best. We all are looking for safe products for our skin. The personal care product industry is growing every day. The industries are advertising daily to have a stand in the market. But are you choosing the right one for your skin? How do you know it's the right one? As the different products are made with a variety of corrosive and toxic chemicals that might fulfill your need but may not be healthy for you. It will make you look beautiful, fix all your flaws, wrinkles and make your skin smoother but is that the one you really want?

So, to make your purchase simple and best, here are a few tips that will help you in choosing safe skin care products for the best results:

Know your skin type

Do your homework before investing in any product. Keep analyzing your skin type, if it's too oily dry or pale or sallow skin, broken capillaries or pores or it is too sensitive. Look at your face, observe it and then buy a product according to your skin type. Buying a product is all about treating your skin in the right way and keeping up with all its needs. Look for products matching your skin type and you will see the best results. FULL POST

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