Good and Bad Ways to Use Credit Cards and Loans

Credit cards and loans are amazing tools for consumers to have under their belts. However, people still have to use them wisely to get their full benefits. The following are some good and bad ways to use available credit or loans and some information on how to use it wisely instead.

How Credit Cards and Cash Advances Work

Credit card lenders usually give their cardholders a credit limit that they feel is sufficient. The cardholder then shows that he or she can use the money wisely and pay back the funds in a timely fashion. The cardholder can receive regular increases to that credit line after six to 12 months of timely payments and smart usage. Credit card accounts revolve, so the available credit returns to the cardholder rather quickly. 

A cash advance is completely different from a credit card. A consumer applies for a check advance online and does not necessarily have to have good credit to obtain approval. The lender deducts the loan proceeds from the person’s bank account at the agreed upon repayment date. Advances do not revolve, but they can give the borrower a good chance of getting an advance in the future. (more…)

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Mutual funds are categorized into several types such as money market funds, fixed income funds, equity funds, and balanced funds but apart from these, mutual funds are also differentiated on the basis of its structure i.e. open-ended and close-ended. In this article, we will discuss the major difference between both these terms and understand its relevance with mutual funds. Let’s discuss open-ended and close-ended mutual funds here.

close ended and open ended mutual funds

Open-ended Funds vs. Close ended Funds – What’s the difference? (more…)

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What I learnt after trading for almost 2 years in the stock market

If I look back, I will probably come up with a list of all the things that I experienced, and all of these things have impacted in some way or the other. But the one big take away, it’s that one thing, which stayed on my mind is my acceptance that losses will happen. You just can’t stop losses. making losses in stock maket

Initially, I tried and put all my effort to avoid losses, and I still lost. I kept on losing for almost two years, and then one day I thought, I can’t stop it. The only way left for me I suppose is to win more than I lose. Though, I read numerous times about the inevitability of losses in the stock market, but still, I never understood it. (more…)

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How Can Business Debt Consolidation Help a Start-Up Company Grow

Almost every prominent business was once a start-up! This journey of building an established enterprise from a startup is laden with several challenges, and cash flow crunch is one of the most notable ones. In this globalized marketplace, competition is stiff for every start-up. To keep their companies running, business owners often resort to loans. Relying too much on loans can push a company into the debt trap. Coming out of one is not easy, but solutions are there to make it possible.

debt consolidation (more…)

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Practical Tips for How to Use Surplus Money

It is a great feeling to have surplus cash–but when you make poor choices, your finances could be affected. To avoid becoming too carried away with your surplus fund, you need to properly come up with a plan and make responsible choices.


To get the most benefit from your surplus, you must spend wisely and make smart investment decisions. How you decide to invest the surplus money would determine your business’ future success. use surplus money


You could decide to use the excess fund as your salary or bonus, but it is more worthwhile to invest it in things that’ll further boost the growth of your business. To help you manage your excess fund better, here are some practical tips you can try: (more…)

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The Connection of Smoking with Stroke

Smoking is not only one of the leading causes of deaths worldwide but also one of the leading causes of fires worldwide when cigarettes are left still burning somewhere in the house where they can set something on fire and later burn the whole house. One of the most terrible effects of smoking is the number of diseases it causes both on the smoker and the people near the smoker. One of these diseases is the stroke. Stroke and smoking are proven to be closely connected. Here are the disasters smoking can bring to your life through a stroke and how to prevent it.

quit smoking

How Smoking Causes Stroke


Tobacco smoke contains over four thousand different chemicals that promote the development of toxins that cause and accelerate the development of stroke. These toxins increase the risk of stroke. They damage the different arteries of the body by making them rupture. Damage to the arteries keeps blood from reaching the brain, increasing the risk of blood clot or stopping the flow of blood completely. This causes a stroke. People who have an increased risk of getting a stroke can also have other diseases and chronic infection, which lead to other types of stroke. The more you smoke, the more you stroke. (more…)

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My first twelve months in the stock market

The first 8 months in the stock market was different from the last 4 months. In terms of my experiences and my approach towards the trade, both periods were different, and at times opposite to each other. I was more inclined to lower my losses in the first 6 months in particular, and then I was able to control my losses somewhat by the end of the 8th month. When I was convinced that I am now able to control my losses I decided to earn out of my trades. stock analysis

I feel that to make profits in trading one has to be a little more offensive. Since I was inclined to cut only the losses my whole trading style had become defensive. My perception from the entry to the exit was more to get out of the trade at the earliest. I will try to book a small profit at the slightest opportunity, which didn’t help me in anyway. (more…)

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Cysteamine A Safer Melasma Cream

If you are struggling with brown-gray patches on your skin caused by hyperpigmentation, you might have melasma. A common skin problem, melasma is characterized by brown or gray patches that usually appears on the face, neck, and arms. Most frequently, when melasma appears, it is on the cheeks, the bridge of the nose, the forehead, the upper lip, and the chin. melasma

Although melasma may appear because of too much exposure to sunlight, it may also be triggered by hormonal changes that occur during pregnancy and with thyroid disease. Although the risk of developing melasma may be higher if you have someone in your family who has it, preventive measures such as applying sunscreen and avoiding sunlight may help. (more…)

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What I learnt after my first 8 months in the stock market

I am able to lose less now. Yes, when I started my journey, I lost more. I had no control on how to take hold of my losses. When I look back now and follow my past 8 months, I feel that I am much more decisive these days. I find that I am able to get out of a trade when I want to, as compare to what I did earlier. Initially, I waited for things to turn in my favour, instead of getting out of a trade and cutting my losses. How to invest in the stock market

Now, I am in a zone where discipline has become my forte. Importantly, I am trading much less. I have learnt the significance of stop-losses. (more…)

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6 Retention Marketing Tips for Bloggers

There was a time when marketing and sales were considered one in the same. Yet, with advances in technology, traditional business functions have become more granular. In addition, we can segment our target audience in a myriad of ways from location to age to purchase history and more. When it comes to blogging, marketing strategies are focused on obtaining new visitors and maintaining a loyal audience.

marketing tips for bloggers

While it’s often the case that some bloggers are focused on attracting new visitors, an increasing number of bloggers are turning towards marketing with their current fanbase in mind. This is known as retention marketing, or lifecycle marketing. It is also known as loyalty marketing. The goal is to keep your visitors happy and coming back for more. (more…)

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