Your credit score is a factor that is currently being considered for making so many decisions. Therefore, a good or bad score can proportionally affect your life now and in the future in unimaginable ways. Right from the interest that would be paid on various loans and credit card bills to decisions on whether a place would be rented out to you, a lot depends on the credit score. So, it is only common sense that you are aware of the factors affect your credit score. Make sure it stays on the positive end at all times. Some of the most important factors which affect your credit score are as follows: Debt Level Of all the common factors that affect credit score,the level of debt one holds will have and impact of about 30%. Several factors related to your debt are accounted while making the credit scoring calculation like the FICO score. These factors include the credit utilization, which is the ratio of credit card balances to the credit limit, the amount of overall debt, and the relation between the loan balances and the original loan amount. Ideally, credit card utilization should be 30% or less. This is to say that it is ideal to charge not more than 30% of your card’s available limit.

Savings and checking are two different types of bank accounts. A checking account is a kind that is created for regular transactions. On the other hand, a savings account is not meant for regular use and is intended for the accumulated funds to stay and further be saved in the account. These accumulated funds will further earn interest over time. There are more than fundamental differences between these two accounts that should be considered when opening either of the accounts. Let’s find out more about savings vs. checking accounts. Interest Rates Based on the choice of the bank, in most of the cases, checking banks only earn little to no interest. On the other hand, savings bank accounts are known to always accrue interest. The exact interest rate on a savings bank account will depend upon the choice of the bank, the kind of savings account that’s opted, and the amount deposited. However, in a savings vs. checking accounts secenario, the interest rate on a savings bank account is usually higher than that of a checking account. The highest rate of interest on savings accounts in the country, as of May 2016, was 1%. Account Charges In case of checking accounts, the account holders are required to meet certain criteria.

At the time of its debut, Disney+ launched with 500 films and 7,500 series episodes! This is also not surprising, considering that it is Disney that we are referring to here. It’s essentially home to some of the best movies ever made, including its latest Marvel and Start Wars hits. While the streaming platform has made a lot of improvements to user experience, we bring to you some of the top movies and TV shows that you can’t miss on Disney plus. TV Shows Here are the top TV shows on Disney+ you can’t miss: The Mandalorian It is, by far, the biggest production among all the TV shows and movies on Disney+ you can’t miss. An eight-episode Star Wars-based series, The Mandalorian focuses on a bounty hunter with no clear allegiances whatsoever. Created by Jon Favreau, this show must be on top of your list. Sparkshots The world has opened up to appreciate indie films, and to facilitate creativity, Pixar announced a plan wherein its employees were given a limited budget and a time frame of six months to come up with a film. This also enabled Pixar unlock the hidden potential within its team. Some of the remarkable indie’s include Kitbull, which captures the story of the bond between a stray cat and a mistreated dog, Wind, Smash and Grab, and Purl.

There are mobile applications for pretty much everything we do in life. Right from monitoring your fitness goals, recipe goals to budgeting and savings, life has been made so easy with these apps. Considering we are largely dependant on such apps, why not use them to manage your credit card debts? These apps certainly give us the edge of being able to track the payments and where we stand with respect to debt management instead of having to sit down all by oneself and analyze them one by one. Read on to find out about these apps to help manage credit card debt. Mint This app gives a fair view of your credit cards and finances and ensures to alert you for your payments. It has been there in the market for quite sometime and is also the most popular in this category. Mint creates a budget and tracks your spending, and these spendings can be categorized into various expense heads so that you can stay within your budgets even between heads of expenses. Prism This app could be your next BFF that helps manage credit card debt! All you need to know do give your credit card details after signing up.

Preschoolers and primary school children of the current generation are adept at using laptops. And sometimes, your 12- or 15-year-old kid might seem more naturally proficient at creating algorithms, bypassing cookies and firewalls, configuring interactive multimedia, or understanding how the latest operating systems work. All this knowledge is important for their communication, whether with their friends or with their teachers at school. So your children must have access to a good computer. As a parent, however, you might not want to spend too much money on a laptop that they might drop carelessly or want to be changed in a year or two for a more sophisticated one. Here we have identified three of the cheapest laptop you can choose from for kids. Lenovo Flex 2020 The 2020 model of Lenovo Flex is a sleek and compact 14-inch laptop that is sold for around $690. Ideal for young children, this product from Lenovo can be used for creative expression, school work, and entertainment purposes. Your little ones can work, stream videos, enjoy gaming, and edit their presentations, all with this super fast and responsive laptop. The extra flexible 300 degrees back bending screen has dazzling visual clarity that comes from the full high definition touchscreen with a back-lit LED display capable of a 1920×1080 pixel output.