Category Archives: credit card

How to keep your Credit Free Score healthy?

The most important thing to do to keep your Credit score healthy is to pay your bills on time. Even though credit score are three-digit numbers but it has great importance in today’s business world. There are a number of free credit score online sites that help you to keep a check on your free credit report and credit score.

The most important thing to do to keep your Credit score healthy is to pay your bills on time. Even though credit score are three-digit numbers but it has great importance in today’s business world. There are a number of free credit score online sites that help you to keep a check on your free credit report and credit score.

Always remember a good free credit score provides an added advantage for the future. If you are looking to make any big purchase like buying a car or your dream house you need to have a good credit score to impress the bank lenders. Many moneylenders or retailers take the help of a credit score for a further transactional act. By doing this they judge whether you can repay the debt back or they have to suffer financial stake. It is obvious that a person with a bad credit score has to suffer credit limitations. If you have a good credit score it’s an added advantage but bad credit score obstructs such flexibility.
How to improve your Credit score?

If you have a burden of high debts and have to make huge interest payments, you need to pay them as quickly as possible. Always keep a check on your credit score. You need to pay your dues from time to time, every month at least for one year to get your credit score on track. Remember that a good credit report and score decides your purchasing power so it is essential that you maintain a good credit score.

Even though credit score is just a three-digit number its importance is substantial. The topic is vast and you would want to know a number of things about this credit score check.

How to use your credit card to establish a good credit history

If you’re young and just starting out credit cards are certainly convenient and can help you establish a good credit history, which will be important when you need to make major purchases down the road. However, carrying a credit card comes with big responsibilities. Here are some tips on how to use your credit card wisely.

Choosing the right credit card

When selecting a credit card, you should consider your own needs. For example, if you’re going to be carrying a balance (not paying off the entire bill each month) then it is imperative to seek out the lowest interest rates that you can find. But you may be limited by a few circumstances, one of which is your paycheque. Some credit cards require a minimum income level or charge an annual fee.

A high limit credit card could be a recipe for disaster. Signing on the dotted line is fun. No money comes out of your bank account and no cash comes out of your wallet. Shopping has never been so easy. That’s why when starting out the best credit cards are the ones that have low spending limits, unless you can afford to pay for any of the charges that are made on it.

Just about all credit cards offer some type of incentives such as rewards points or cashback incentives. This is done for obvious reasons. The most common of which is to entice the cardholder into using it more often. Overall it is a pretty good deal to receive rewards for credit card charges as long as you bear in mind that this is not free money. Whether you realize it or not, you have already paid for those points.

Managing your account.

Managing your account online is a great feature; just about everybody has access to the Internet and can easily access their credit card statements.

Studying your credit card statement

You’ll receive a statement that details what you’ve bought and what you need to pay. The purchases you’ve made will be tallied, just like on a bank statement. You’ll need to pay attention to:

· The amounts – Make sure your purchases are listed correctly by comparing the amounts to your own purchase receipts. Doing this will help you understand where your money is being spent and help you adjust your spending patterns.
· The balance – If for any reason your statement seems a lot bigger than you thought it would be, you may be heading into a danger zone. Keep your balance within a range you can afford to pay off every month. And remember to save some credit for emergencies.
· The minimum payment – You need to pay this amount each month toward the entire outstanding balance. Making substantial payments every month will help you keep the interest under control.
· The purchase interest – This is how much you’re paying on purchases that have not been paid off in full by the payment date. Whenever you carry a balance forward from the previous month, you’ll pay this monthly interest.
· The payment date – When you are busy and responsible for many bills, it’s easy to forget when everything is due. However, paying bills on time is crucial to maintaining a positive credit record. Over time, it could mean the difference between being approved or denied for other credit, such as a car loan or a mortgage. Many credit card companies advise making payment a few days before the specified payment date to ensure receipt. Another option is to pre-pay your bills using telephone or Internet banking.

Staying out of the danger zones

It’s a good idea to avoid the following, despite the temptation:

· Cash advances – You’ll pay interest on a cash advance from the moment the cash is in your hand. You may also be charged a service fee. Cash advances are great for emergency cash but avoid using them as an income supplement.
· Hitting your credit limit – There are many reasons why hitting your credit limit can be dangerous.

Improve Your Credit Rating Yourself – Tips How To Do It

A credit score is a rating system creditors use to help determine whether to give you credit and how much to charge you for it. If you have ever applied for a credit card, loan, or insurance, then there is a file about you known as your credit report which will include your quality score rating.

It is important to check your credit report for accuracy from time to time. This file has information about you and your credit experiences, bill-paying history, the number, and ty…

A credit score is a rating system creditors use to help determine whether to give you credit and how much to charge you for it. If you have ever applied for a credit card, loan, or insurance, then there is a file about you known as your credit report which will include your quality score rating.

It is important to check your credit report for accuracy from time to time. This file has information about you and your credit experiences, bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, bankruptcies, and the age of your accounts, collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points, known as a credit score, helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers with good credit risks have higher credit scores. The quality of your credit rating can impact your ability to get credit, insurance, and employment. Having good credit means it will be easier for you to get loans at lower interest rates. Lower interest rates usually mean lower monthly payments which save you money.

Do you have bad or poor credit? Do you want to improve your creditworthiness and credit rating? Then you are on the right track and there are proven steps you can take on your own to make this happen.

Now for the bad news. Only time and effort, along with a personal debt repayment plan will improve your credit report and rating.

The good news is that you can do all of the things necessary to improve your credit rating by yourself at little or no cost.

Step 1. Develop a personal budget.

Take control of your financial situation by doing a realistic assessment of how much money you take in and how much money you spend each month. List your income from all sources. Then, list your “fixed” expenses, those that are the same each month, like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that may change or vary from month to months like food, entertainment, recreation, and clothing. Writing down all of your expenses, even those that may seem insignificant is a helpful way to get a grip on and keep track of your spending patterns, identify necessary expenses, and prioritize your expenditures. The main goal is to make sure you can make ends meet on the basic living necessities like housing, food, health care, insurance, and education.

Step 2. Balance your checkbook.

Yes, it seems common sense to do this but you would be amazed at how many people either don’t know how to do it or just hate balancing their checkbook. If there is something on your bank account statement that is confusing or you just can not quite get right, then go see your banking representative for help. Either way, it is absolutely critical to control your checkbook or it will continue to control you.

Step 3. Create a plan to save money and pay down your debts.

You might say … hey, I can not pay all of my bills now, how am I going to save any money? That is why getting your personal budget under control is so critical. Cutting your monthly expenditures for items that are not absolutely needed will be necessary in order to get your budget under control. It sounds simplistic, but your goal is to have more money coming in each month than the amount of money you spend each month. Until you find a way to make this basic truth happen, you will not be able to pay off your debts and become more creditworthy in the eyes of lenders.

Not quite sure how to accurately gather and itemize all of your monthly expenditures and compare them to your monthly income? You can find lots of helpful resources available online, at your local library, or at bookstores that address money management techniques, personal finance, and budgeting.

Step 4. Pay your bills on time.

Goes without saying but it is necessary in order to show lenders that you are improving and are capable of making on-time payments each month. If you’re having trouble making ends meet then contact your creditors immediately. Tell them why it’s difficult for you, and try to work out a modified repayment plan that reduces your payments to a more affordable level. Don’t wait until your accounts have been turned over to a debt collector. At that point, your creditors have given up on you.

How To Wipe Out Bad Credit And Rebuild Your Credit Report

Most people who have bad credit think there is nothing they can do about it. They mistakenly believe that they have to live with their bad credit for a long time. You don’t have to live with bad credit or pay hefty fees to have your credit repaired. You can remove bad entries in your report and rebuild your credit profile. You don’t need to spend a fortune to accomplish this. Armed with the right information you will be on your way to rebuilding your credit record.

Most people who have bad credit think there is nothing they can do about it. They mistakenly believe that they have to live with their bad credit for a long time.

You don’t have to live with bad credit or pay hefty fees to have your credit repaired. You can remove bad entries in your report and rebuild your credit profile. You don’t need to spend a fortune to accomplish this. Armed with the right information you will be on your way to rebuilding your credit record.

Credit bureaus are required to delete items that are not 100% accurate or cannot be verified within a reasonable period of time. Also, outdated information must be deleted.

The first step in repairing your credit is to get a copy of your credit report. You need to know what the credit bureaus are saying about you. By law, you can get a copy of your credit report, for a fee. However, if you have been denied credit within the past 60 days, then you can get a credit report at no charge from the credit bureau.

When you receive your report, examine it carefully. Damaging information may appear in your report without your knowledge. Make sure all information is current and accurate. Identify any incorrect or inaccurate information that has been entered into your report. Pay close attention to all the accounts listed on your report. Mistakes happen all the time. Make sure you do not overlook any errors.

You can have damaging information deleted from your credit report. You have the right to dispute incorrect or misleading information on your report.

To do this, complete the dispute form that you received with your credit report and return it to the credit bureau. Be sure to send your dispute letter certified mail, return receipt requested. This will provide you with a paper trail and help you remember when to follow up.

If you dispute an item, it must be reinvestigated and deleted if in the event the item is found to be false or unable to be verified. By law, if the credit bureau does not respond within the allotted time, then the disputed item must be deleted from the report.

Another way to smash negative credit remarks on your credit report is to take advantage of the “100-word consumer statement” which allows you to file a brief statement detailing your side of the story and submit this to the credit bureau, for inclusion in your report.

Once your credit report is updated, you should request that the credit bureau send an updated copy of your report to any businesses that checked your credit within the past six months (or two years if it involves employment).

Now that you’ve removed the negative entries, it’s time to rebuild a good credit report.

One way to add positive information to your report is by taking out a small loan backed by funds in your savings account. When you pay off the loan, your security deposit will be released to you.

You can also build credit by having someone with good credit cosign on a loan for you. This strategy can speed up the process of rebuilding your credit.

Having a secured credit card can help you build or rebuild your credit. To obtain a secured card, you are required to deposit money in a savings account to guarantee the charges. The deposit is frozen and left untouched until it is obvious that you have defaulted. So make sure all your payments reach the company before the due date. Always stay within your credit limit.

If you ever wanted to wipe out your bad credit and rebuild your credit report, now you can. A good credit record can make your life easier and more enjoyable. Take action now.

‘I think I have coronavirus’: Symptoms to watch, when to call a doctor, getting tested—and what to expect overall…

As the coronavirus outbreak continues to intensify, people are increasingly taking extra precautions in maintaining health and hygiene. Some schools and employers have responded to the global pandemic by shifting to online learning or asking employees to work from home.

With more than 127,000 COVID-19 cases worldwide (as of Thursday, March 12, 2020), according to data compiled by Johns Hopkins University, one question that still lingers is, “What should I do — and expect — if I think I have COVID-19?”

The short answer is: It depends. Although the disease has led to more than 4,700 deaths, “the most important message is that if you’re young and otherwise relatively healthy, it will most likely be similar to a common cold — or, worst case, the flu,”

If you feel sick and reasonably believe you have COVID-19, here’s a list of frequently asked questions, including symptoms to watch for, when to see a doctor, and getting tested:

What are the main symptoms of COVID-19?

According to the World Health Organization, common signs include fever, coughing, shortness of breath and breathing difficulties. In more severe cases, the infection can cause pneumonia, severe acute respiratory syndrome, kidney failure and death.

Symptoms range from mild to severe and may occur anywhere from two to 14 days after exposure, the Centers for Disease Control and Prevention says.

If you feel sick now, it’s possible you might have the common cold or flu (both have similar symptoms to COVID-19), Dr. Gregory Poland, professor of medicine and infectious diseases at the Mayo Clinic, tells CNBC Make It. The only way to tell if you have COVID-19 is to test for it — although there’s more reason to think you do if you’re in the higher risk group, he says.

Those at high risk include people over 60 who also have serious long-term health conditions, such as diabetes, heart disease or lung disease, Nancy Messonnier, director of CDC’s National Center for Immunization and Respiratory Diseases, said during a press briefing. People who smoke or vape may also have worse outcomes, according to New York City officials.

When should I see a doctor?

The CDC recommends calling your doctor if you develop any of the main symptoms, and have been in close contact with an infected person or recently traveled to an area with widespread of COVID-19.

If you have symptoms of severe illness (i.e., high or very low body temperature, shortness of breath, confusion or feeling you might pass out) and are a high-risk individual, you should seek medical care in an emergency department.

The CDC advises calling ahead before going to a doctor’s office or emergency room. Tell them about your symptoms and recent travels so they can prepare for your arrival. You may be asked to wear a face mask to avoid infecting others.

How do I get tested for COVID-19?

If your doctor thinks a test is appropriate, based on the most recent CDC guidelines, he or she can request a test. However, since the breadth of testing capacity is still unclear, there’s no guarantee you’ll get one right away.

In February, under mounting pressure from state and local officials, the US Food and Drug Administration expanded the types of labs that could run COVID-19 tests, allowing private national labs like Quest Diagnostics and LabCorp to start testing. (As of March 10, 2020, at least 78 state and local health labs in the US have testing capacity, according to Association of Public Health Laboratories.)

Testing involves taking samples from the nose and mouth or, for seriously ill patients, the lungs. Timing for test results will vary depending on the lab. For some, like the Stanford Health Care Clinical Virology Laboratory, results can take anywhere from 12 to 24 hours.

What if I test positive?

For the most part, the CDC suggests:

Staying at home (except to get medical care). Restrict activities outside of home. Avoid public places (i.e., work or school) and public transportation (i.e., trains, buses, ride-sharing services and taxis).

Separating yourself from others in your home. If you live with other people, stay in a separate room and, if possible, use a separate bathroom.

Wearing a face mask. If you can’t wear a face mask (i.e., because it causes trouble breathing), then those who live with you should wear one when they’re in the same room as you.

Washing your hands often. Do this with soap and water for at least 20 seconds. If you don’t have access to soap and water, clean your hands with an alcohol-based hand sanitizer that contains at least 60% alcohol.

When can I go back to work?

If you’re sick, the CDC advises staying home from work until at least 24 hours after your fever — 100 degrees Fahrenheit (37.8 degrees Celsius) or greater — is gone.

Your employer may have a pandemic preparedness plan in place, so make sure you speak with your supervisor about your options. (For more information, here’s the CDC’s Interim Guidance for Businesses and Employers.)

Is there a treatment or vaccine available for COVID-19?

There are no antiviral medications that treat COVID-19 at this time, according to the CDC. However, just like any viral infection, Dr. Kesh says taking certain measures can help:

Getting plenty of rest.

Staying well hydrated.

Taking medication (i.e., acetaminophen, ibuprofen or naproxen) to reduce fever and ease aches and pains. (Make sure you follow directions and keep track of all the ingredients and the doses.)

Best Gaming Laptop for 2020…

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There’s more to a gaming laptop besides raw speed. You can pack it with the best graphics card processor (GPU), tons of fast SSD storage to hold your games, a gazillion-core processor, a rock-solid hard drive for secondary storage and the fastest, most colorful display around — and it can still fall short. Those powerful components may overheat at the worst moments or you might just experience some instability. Or perhaps you don’t want to always use an external keyboard, but the built-in version feels like mashed potatoes under your WASD keys. 
And not all games are bottlenecked by dual cores or a last-generation GTX, so it’s not a given that you’ll need to bust your budget, either.
With almost any gaming laptop, no matter how fast or slow, the compromise you make is battery life, which can last as little as two hours. You also can’t play most complex games — GPU- or CPU-intensive ones — on battery power. The processors tend to get throttled back and screens dim, so a laptop that feels nimble when connected turns lead-footed on battery, turning your gaming experience into a battle of frustration.But components do matter. The fastest GPU currently available in a laptop is the Nvidia GeForce RTX 2080, followed by the RTX 2080 Max-Q; the Max-Q versions run at slower frequencies than their full-size siblings — to keep the noise and heat down and to fit into thinner designs. RTX models also accelerate ray-traced rendering and provide intelligent upscaling (DLSS) where it’s explicitly supported. If your favorite games don’t use it, the lower-end GTX 1660Ti incorporates the latest generation of Nvidia’s technology (Turing), without the extra cost burden of the RT cores, though it’s not up to the equal of the last-generation GTX 1080. 
We’re still waiting for the mobile and Max-Q versions of the updated desktop GPUs, the 2060, 2070 and 2080 Super. AMD has released its next-generation laptop GPUs, the Radeon RX 5700M, 5600M and 5500M, but we’ve yet to test them in a Windows system (a custom version of the 5500M is in the latest MacBook Pro 16).
On the CPU side, more cores may help, though at the moment most games still don’t make use of more than four; that’s partly why so many game laptop manufacturers are pivoting their marketing of the high-powered models to creative uses. The head of the mobile CPU pack are currently the eight-core, ninth generation Intel Core i9-9980HK and i9-9980H, since we’re waiting on the 10th-generation versions of Intel’s mobile processors. AMD recently announced its Ryzen 4000 series of mobile CPUs, which we’re also waiting to see in laptops.And then there are the screens. Asus and Acer announced laptops with a 300 Hz refresh rate at IFA 2019, but they’ve yet to materialize. They’re not worth the wait for most of us: 240Hz max should be fine for those few times you can get frame rates above 240fps. Even 144Hz will do for many people, but artifacts like tearing, caused by the screen refresh rate becoming out of sync with the frame rate, depend on your games as much as your hardware.

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Acer Predator Helios 500 PH517-51-98Y7 Gaming Laptop, Intel Core i9-8950HK, GeForce GTX 1070 Overclockable Graphics, 17.3″ Full HD 144Hz G-Sync Display, 16GB DDR4, 512GB PCIe NVMe SSD, 2TB HDD

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Acer Predator Helios 500 PH517-51-98Y7 Gaming Laptop InformationStyle: Laptop OnlyTechnical DetailsBrand AcerSeries Acer Predator SeriesColour BlackItem Height 39 MillimetersItem Width 42.8 CentimetersScreen Size 17.3 InchesMaximum Display Resolution 1920 x 1080 PixelsItem Weight 4 KgProduct Dimensions 29.8 x 42.8 x 3.9 cmBatteries: 1 Lithium ion batteries required. (included)Item model number PH517-51-98Y7Processor Brand IntelProcessor Speed 4.8 GHzProcessor Count 6RAM Size 16 GBMemory Technology DDR4Computer Memory Type DDR4 SDRAMMaximum Memory Supported 64 GBHard Drive Size 2000 GBHard Disk Technology Hybrid Drive, SATAHard Drive Interface Serial ATAGraphics Coprocessor NVIDIA GeForce GTX 1070Graphics Chipset Brand NVIDIAGraphics Card Description DedicatedGraphics RAM Type GDDR5Graphics Card Ram Size 8 GBGraphics Card Interface IntegratedWireless Type 802.11acNumber of HDMI Ports 1Wattage 330 WattsOptical Drive Type NoneOperating System Windows 10 HomeLithium Battery Energy Content 48 Watt HoursLithium battery Weight 50 GramsNumber of Lithium Ion Cells 4Number of Lithium Metal Cells 4Included Components Laptop, AC Adapter, Power Cord
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ASUS ROG Zephyrus S GX701 17.3″ FHD 240Hz Gaming Laptop RTX 2080 Max-Q 8GB Graphics (Core i7-9750H 9th Gen/32GB RAM/1TB NVMe SSD/Windows 10/Black Metal/2.60 kg), GX701GXR-H6086T

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Processor: 9th Gen Intel Core i7-9750H Processor base speed 2.6GHz (12M Cache, up to 4.5GHz, 6 Cores)Memory & Storage: 32GB DDR4 2666MHz Dual Channel RAM with | Storage: PCIe NVMe 1TB M.2 SSD (Hyper Drive)Graphics: NVIDIA GeForce RTX 2080 with Max-Q Design GDDR6 8GB VRAMDisplay: 17.3-inch Full HD (1920×1080) Anti-glare IPS-level panel, Refresh Rate 240Hz, 3ms, 100% sRGB, Optimus, G-SYNC, Pantone Validated | 81% screen-to-body ratio.Operating System: Pre-loaded Windows 10 Home with lifetime validityDesign & battery: 18.7mm thin | 6.9mm super narrow bezels | Magnesium-alloy Body | Laptop weight 2.60kg | Lithium battery 4-CellEnjoy new levels of gaming realism real-time Ray Tracing(RTX), Deep Learning Super Sampling(DLSS) and Nvidia Adaptive shading(NAS) with NVIDIA GeForce RTX graphicsCooling System: Anti-Dust Self-Cleaning Fans | 12V Fans 83 Blades Each | 250 Fins Quad Heatsinks | 5 Pipes CPU/GPU/VRM.Keyboard: Per-Key RGB Lighting | N-KEY ROLLOVER | 1.4mm travel distance | AURA SYNC | hot keys :Ten-key function / ROG armoury crate10 Audio: 2 x 2.5W speaker with Smart AMP technology | Array MicrophonePorts and CD drive: 1 x USB3.1 Gen2 Type-C with DisplayPort 1.4 and Power Delivery | 1 x USB3.1 Gen1 Type-C | 1x USB3.1 Gen2 Type-A | 2x USB3.1 Gen1 Type-A | 1 x HDMI 2.0b | 1 x 3.5mm headphone and microphone combo jack | 1x Kensington lock | Without CD-DriveOther: ROG GC21 External Camera (1080p@60FPS) | Touchpad with Exclusive Dual-function Number Pad |Meets MIL-STD-810G standards | Armoury Crate | Intel 802.11ac (2×2) Gigabit Wi-Fi.Warranty: This genuine Asus laptop comes with 1-year Global Warranty and Onsite Domestic Warranty. For more details, see warranty section.Accessories Include: FHD 1080P@60FPS External Camera|Gaming Mouse GLADIUS II | Gaming Headset Cerberus | 17″ ROG Laptop Backpack | Power Adapter.
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Acer Aspire 5 Slim A515-54G 15.6-inch FHD Thin and Light Notebook(Intel Core i5-8265U Whisky Lake Processor/8GB Ram/2TB HDD + 512 SSD/Win10/2 GB MX250 Graphics), Pure Silver

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Product informationStyle: A515-54G, Pure SilverTechnical DetailsBrand AcerModel A515-54GModel Name Aspire 5 SlimModel Year 2019Item Weight 1.8 KgProduct Dimensions 25.1 x 36.3 x 1.8 cmBatteries: 1 Lithium ion batteries required. (included)Item model number A515-54GRAM Size 8 GBMemory Storage Capacity 2 TBFlash Memory Installed Size 512.0Ram Memory Installed Size 8 GBRam Memory Maximum Size 20 GBRam Memory Technology DDR4Hard Drive Size 2 TBHard Disk Rotational Speed 5400 RPMHard Disk Technology Hybrid DriveOperating System Windows 10 HomeProcessor Brand IntelProcessor Speed 3.9 GHzProcessor Type Core i5Graphics Card Ram Size 2 GBGraphics RAM Type VRAMGraphics Coprocessor NVIDIA GeForce MX250 2GB GDDR5 VRAMIncluded Components Laptop, Battery, AC Adapter, User Guide, ManualsSupported Software AcerTrueHarmony + AcerPurifiedVoiceDisplay Technology LCDScreen Size 15.6 InchesDisplay Type LED-BacklitDisplay Resolution Maximum 1920 x 1080 (Full HD)Voltage 220Battery Average Life 9.5 HoursBatteries Included YesBatteries Required YesBattery Cell Composition Lithium IonWireless Type 802.11a/b/g/n/acConnector Type WirelessForm Factor NotebookDevice Type Notebook
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Dell Alienware M15 R2 15.6-inch FHD Laptop (9th Gen Core i9-9980HK/16GB/1TB SSD/Windows 10 + MS Office/8GB NVIDIA 2080 Graphics), Lunar Light

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2.4GHz Intel Core i9-9980HK 9th Gen processor16GB DDR4 RAM5400rpm hard drive15.6-inch screen, NVIDIA 2080 8GB GraphicsWindows 10 Home operating system10 hours battery life, 2.16kg laptopProcessor detail15.6 inch, Windows 10 Home1 year manufacturer warranty
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Food delivery during the coronavirus outbreak: Follow these 3 rules to stay safe…

Keep yourself and your food or grocery delivery driver healthy and germ-free with these tips.

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If you’re staying home more often as a result of the coronavirus outbreak, you might be wondering: Can I still order food or grocery delivery? And is it safe?

The answer, for now, is yes: Food and grocery delivery services such as DoorDash, Postmates, Grubhub, Uber Eats and Instacart are still up and running.

There is currently no evidence that COVID-19 can be transmitted through food or food packaging, according to the CDC and the FDA, though germs are known to live on surfaces up to nine days. The bigger potential issue is transmitting the new coronavirus from delivery person to customer, or vice versa, through coughing, vaporized air particles or other direct contact.

In response, many food delivery services are moving to contactless drop-offs, or encouraging customers to take advantage of drop-off instructions to minimize the chance of spreading the virus. Earlier in March, food delivery service Postmates introduced a feature called Dropoff Options, giving customers the ability to choose to either meet their delivery driver at the door, curbside, or go non-contact and have deliveries left at the door. Grocery delivery service Instacart launched a Leave at My Door Delivery option across the US.

Here are three tips for safely ordering food or grocery delivery, if you are sick, quarantined, or just staying in to try and stay healthy.

Leave delivery instructions
Whenever you order take-out or groceries online, you’ll see an empty field titled “delivery instructions.” Normally, you might use this to provide a gate code, but now, you can ask drivers to drop off food at the door, or send a photo of where the food should be left. Customers can often also contact their driver directly through the apps to make any delivery arrangements, as soon as the driver accepts the order.

You can keep up to date on what your preferred delivery app or service is doing to mitigate infection on their websites. For example, DoorDash is distributing hand sanitizer and gloves to drivers, and is working with restaurants to share some best practices for handling food at this time, like taping over ends of straws, a spokesperson said.

Grubhub provided drivers and restaurants with the CDC’s recommendations for best hygiene and appropriate precautions for interacting with others, a spokesperson told CNET. Uber Eats is also giving drivers car disinfectant, prioritizing “cities with the greatest need,” according to its website.

Immediately wash your hands
To play it safe, wash your hands for at least 20 seconds, and avoid touching your face after bringing your food or grocery delivery inside.

Restaurants and other food services are highly regulated by health officials, and have had protocols in place for years to avoid spreading influenza, norovirus, hepatitis A and other viruses.

“There is no evidence for COVID-19 being transmitted through food,” Leana Wen, an emergency physician and public health professor at George Washington University, as well as the former Baltimore Health Commissioner, told CNET. “However, the virus can live on instruments that people touch, including takeout containers and utensils. Therefore, people should wash our hands after we touch these items and before we eat or touch our faces.”

There are no rules in terms of how to remove food from takeout containers, but you’d probably be safest putting it on your own plate or container, throwing out the takeout container and washing your hands before eating.

Like other viruses, coronavirus can also survive on surfaces or objects, so it’s important to keep those clean. Recycle the bags that the food comes in, and disinfect your tables and counters before and after you eat.

You should also follow normal food safety procedures from the CDC, like refrigerating leftovers within two hours. It’s also best not to share utensils or cups with your fellow diners.

Overtip your driver. It’s the right thing to do
Food delivery drivers are typically either paid by the job (on gig platforms like DoorDash) or by the hour (at other restaurants). They don’t have a work from home option if they want to earn money.

CNET’s Dale Smith recommends tipping food delivery drivers 20% or more during special circumstances like these. The safest way to tip your driver is through a food delivery app. If you tip with cash, make sure to wash your hands after you touch any bills. And if you have to sign a receipt to add a tip via credit card, use your own pen and again, wash those hands afterward.

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Excellent Message for all…


Birth: Given by others
Name: Given by others
Education: Given by others
Income: Given by others
Respect: Given by others
First & Last Bath: Will be given by others
After Death Your
Property & Belongings: Will be taken by others
Funeral Service: Will be done by others
Still I wonder why we have the unnecessary ego problems in life.
Let us all simplify our life & Love & Live with others peacefully.

“Live for yourself, you will live in vain. Live for others, you will live again.”
Only a life lived for others is a life worthwhile.
Live for yourself and you will live in vain; Live for others, and you will live again.
Those who bring sunshine into the lives of others cannot keep it from themselves.
There is a magnet in your heart that will attract true friends. That magnet is unselfishness, thinking of others first; when you learn to live for others, they will live for you.
And so, I have to live. Because we live for more than just ourselves, most of the time we live for others, keep putting one foot before the other, left and right, left and right, so that walking becomes a habit, just like breathing. Ina n out, left and right.
For to be free is not merely to cast off one’s chains, but to live in a way that respects and enhances the freedom of others.
Life becomes harder for us when we live for others, but it also becomes richer and happier.
I don’t know what your destiny will be, but one thing I know: the only ones among you who will be really happy are those who will have sought and found how to serve.
A great many people (not you) do now seem to think that the mere state of being worried is in itself meritorious. I don’t think it is. We must, if it so happens, give our lives for others: but even while we’re doing it, I think we’re meant to enjoy Our Lord and, in Him, our friends, our food, our sleep, our jokes, and the birds’ song and the frosty sunrise.
Live simply so others may simply live.
Youth ends when egotism does; maturity begins when one lives for others.
He was right in saying that the only certain happiness in life is to live for others.
To laugh often and love much; to win the respect of intelligent persons and the affection of children; to earn the approbation of honest critics and endure the betrayal of false friends; to appreciate beauty.
One of the secrets in life is that we really lead a better life when we’re living for others than we do when we’re living for ourselves, and I think that’s the way for our creator intended for it to be, is that if we can live for other people, we really leave this world in a different way.
Learning to live for others isn’t something that just comes naturally to anybody. You have to train yourself to do it.
They only live, who live for others, the rest are more dead than alive.
We travel, some of us forever, to seek other states, other lives, other souls.
Forget yourself and live for others, for It is more blessed to give than to receive.
We can choose to use our lives for others to bring about a better and more just world for our children. People who make that choice will know hardship and sacrifice. But if you give yourself totally to the non-violence struggle for peace and justice you also find that people give you their hearts and you will never go hungry and never be alone. And in giving of yourself you will discover a whole new life full of meaning and love.
The way not to lead a monotonous life is to live for others.
Our society is filled with runaways, dropouts, and quitters. The epidemic of walking away has hit our land with effects as devastating as the bubonic plague, and it has destroyed millions of effective lives and relationships. We are so self-centered that we have ceased to lay down our lives for others. We have seen others faint or walk away and we have followed in their weakness. We have fainted when we could have persevered by exchanging our strength for His! With His strength, not only could we have kept on walking, we could have run!
God wants you to live for others and to live that presence well.
I don’t believe in religion. I believe the example of Christ. I believe in the example of a perfect human being that if you can live for other people away from yourself you will be happy. If you live for yourself you will be unhappy and then you will not be able to sleep or do anything else… finally. I think insofar, and I really believe this, insofar as people do live with the other fellow [God] in mind, they have to be happy you know? Because it raises you up.
If I live for self, I can only live for one; if I live for others, I can live for 3,000,000,000.
They alone live, who live for others.
She’s the sort of woman who lives for others – you can tell the others by their hunted expression.
I feel very lucky because of my parents and then my education, the opportunities that I’ve had, so I would like to continue working to improve lives for others.
The man who lives for himself is a failure; the man who lives for others has achieved true success.
The man who attempts to live for others is a dependent. He is a parasite in motive and makes parasites of those he serves.
All women are brought up from the very earliest years in the belief that their ideal of character is the very opposite to that of men; not self-will, and government by self-control, but submission and yielding to the control of others. All the moralities tell them that it is their nature to live for others; to make complete abnegation of themselves, and to have no life but in their affections.
Namely, if I am challenging the base of all these institutions, I’m challenging the moral code of altruism. The precept that man’s moral duty is to live for others. That man must sacrifice himself to others. Which is the present-day morality.
The man who lives for himself is a failure. Even if he gains much wealth, position or fortune, he is still a failure. The man who lives for others has achieved true success. A rich man who consecrates his wealth and his position to the good of humanity is a success.
By trying to live Christmas 12 months a year, we CAN make this world a better place to live – for others and for ourselves.
When you learn to live for others, they will live for you.
When you live for others’ opinions, you are dead.
They who will live for others shall have great troubles, but they shall seem to them small. Those who will live for themselves shall have small troubles, but they shall seem to them great.

Excellent Message for all…


Birth: Given by others
Name: Given by others
Education: Given by others
Income: Given by others
Respect: Given by others
First & Last Bath: Will be given by others
After Death Your
Property & Belongings: Will be taken by others
Funeral Service: Will be done by others
Still I wonder why we have the unnecessary ego problems in life.
Let us all simplify our life & Love & Live with others peacefully.

Student Travel Insurance…

about Student Travel Insurance
The world is a small place these days and a lot of students from all over the world travel to different countries in order to pursue their higher education for specific courses. student travel insurance plans are designed specifically with the students were people traveling to foreign countries for their educational purposes. The prime aspects that are covered in this type of insurance policy into financial compensation in case there is an interruption during the studies, protection to the sponsors, etc. People can use the student travel insurance with the word travel insurance plans but it is important to understand additional coverages that are being offered in the student travel insurance plans. Student travel journey especially in case of emergency medical expenses write from providing coverage for the hospitalization expenses to making the payments of the tuition fees that are paid in advance this plan covers it all. Increase of a critical or terminal illness this plan also sponsors the travel tickets of one of the family members of the insured person when he or she is hospitalized for over 8 days. In addition to the medical expenses, student travel insurance also provides coverage in case the insured person faces a loss of their documents such as a passport or the travel baggage. It is important to know that student travel insurance is only available between the age group of 16 to 35 years. If you are planning to travel abroad for studies, we advised that you definitely take a student travel insurance plan to keep yourself covered and protected from any unfortunate events. Having travel insurance that is tailor-made especially for students makes it easier for those looking to travel safely. Student travel insurance allows you to remain protected abroad. Travelling as a student is an exciting experience – you get to explore new places at a young age, meet and interact with new and interesting people and also learn a thing or two about yourself. However, students also need to be aware of their budget – most of which is limited. Visiting a new country can sometimes not go as planned, and having insurance is one sure-shot way to ensure that you’re covered in case of any accident, mishap or unforeseeable circumstances.
In such cases, having travel insurance that is tailor-made especially for students makes it easier for those looking to travel safely. A student travel insurance India allows you to remain protected abroad.
Studying abroad means that you’ve to acclimatize yourself to a new culture and country, while also ensuring that you prepare for their kind of food. Chances of falling ill during the first few months are higher and require you to stay safe. It is during this time that student insurance will come in handy and ensure you’re protected against any medical expenses that could pop up.
How do I get myself a Student Travel Insurance?
One good way to go about getting yourself insurance is by getting the Student Explore offer which is available on our website. It allows you to choose from a myriad of plans which make it easier for you to choose from. This way, you remain protected against any sudden mishap as the plan covers a range of illnesses and diseases.
The travel insurance for student’s plan is planned in such a way that you enjoy some new-age benefits. You will be able to get a catalogue of services that will make your stay abroad much safer. The premiums for these services are low enough to be affordable by students. Check: International Travel Insurance
Key Benefits of Student Travel Insurance Plan
With Student Explore, you can cover all the major aspects of the plan, including the likes of in-patient care, medical expenses and so much more. It becomes easier for you to choose a plan that suits your needs and benefits.
Here are some of the main features and benefits of the Student Explore plan:
You can enjoy a long and comprehensive list of the travel, medical and non-medical expenses that are present in our catalogue
You can also choose optional covers for your mandatory university requirements. This makes it simpler to understand the various offerings and then take a call post that
The coverage tenure is need-based and extends anywhere from 1 month to 3 years.
The Student Explore package also allows you to choose your very own geographical scope of coverage
There are also many other features that come along with it, including sponsor protection, bail bond, laptop/tablet and accidental benefits just to name a few
There is no pre-policy checkup that is needed for those looking to go through with the purchase
The package is available at a low and affordable cost, perfect for those who are going to study in international universities

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POS Agent: 20211872

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11 Different ways to Escape Obligation Quicker

11 Different ways to Escape Obligation Quicker

you can read in your language select 103 language below

Step by step instructions to Escape Obligation Quicker

Lamentably, the space between understanding your obligation is wild and really escaping obligation can be created with difficult work and anguish. Regardless of what sort of obligation you’re in, taking care of it can take years — or even decades — to escape obligation.

Luckily, a few techniques exist that can make taking care of obligation quicker — and a mess less difficult. In case you’re prepared to escape obligation, consider these time tested strategies:

  1. Pay more than the base installment.

In the event that you convey the normal charge card equalization of $15,609, pay a run of the mill 15% APR, and make the base regularly scheduled installment of $625, it will take you 13.5 years to take care of it. What’s more, that is just on the off chance that you don’t add to the equalization meanwhile, which can be a test alone.

Regardless of whether you’re conveying Visa obligation, individual credits, or understudy advances, perhaps the most ideal approaches to pay them down sooner is to make more than the base regularly scheduled installment. Doing so won’t just assist you with saving money on enthusiasm for the duration of the life of your credit, yet it will likewise accelerate the result procedure. To dodge any cerebral pains, ensure your credit doesn’t charge any prepayment punishments before you begin.

On the off chance that you need a poke right now, can enroll the assistance of some free on the web and versatile obligation reimbursement instruments, as well, similar to Count, Unbury.Me, or ReadyForZero, all of which can assist you with outlining and keep tabs on your development as you pay down parities.

  1. Attempt the obligation snowball technique.

In case you’re in the disposition to pay more than the base regularly scheduled installments on your Mastercards and different obligations, consider utilizing the obligation snowball technique to accelerate the procedure considerably more and gather speed.

As an initial step, you’ll need to list the entirety of the obligations you owe from littlest to biggest. Toss the entirety of your abundance assets at the littlest parity, while making the base installments on the entirety of your bigger credits. When the littlest equalization is paid off, begin putting that additional cash toward the following littlest obligation until you take care of that one, etc.

After some time, your little adjusts ought to vanish individually, opening up more dollars to toss at your bigger obligations and credits. This “snowball impact” permits you to square away littler adjusts first — logging a couple “wins” for the mental impact — while letting you spare the biggest advances for last. Eventually, the objective is snowballing the entirety of your additional dollars toward your obligations until they’re crushed — and you’re at long last obligation free.

  1. Get a side hustle.

Assaulting your obligations with the obligation snowball technique will accelerate the procedure, yet procuring more cash can enhance your endeavors considerably further. Almost everybody has an ability or expertise they can adapt, regardless of whether it’s looking after children, yards, cleaning houses, or turning into a menial helper.

With locales like TaskRabbit and Upwork.com, almost anybody can discover some approach to gain additional cash as an afterthought. The key is taking any additional cash you procure and utilizing it to take care of credits immediately.

  1. Make (and live with) a stripped down spending plan.

On the off chance that you truly need to square away obligation quicker, you’ll have to cut your costs as much as you can. One device you can make and utilize is a no frills spending plan. With this technique, you’ll cut your costs as low as they can proceed to live on as meager as workable for whatever length of time that you can.

A no frills spending will appear to be unique for everybody, except it ought to be without any “additional items” like going out to eat, satellite TV, or superfluous spending. While you’re living on an exacting spending plan, you ought to have the option to pay impressively more toward your obligations.

Keep in mind, no frills spending plans are just intended to be brief. When you’re out of obligation — or much closer to your objective — you can begin including optional spending again into your month to month plan.

  1. Sell all that you needn’t bother with.

In case you’re searching for an approach to find some money rapidly, it may pay to check out your effects first. A large portion of us have stuff lying around that we infrequently use and could live without on the off chance that we truly expected to. Why not sell your additional stuff and utilize the assets to square away your obligations?

On the off chance that you live in a local that grants it, a classic carport deal is ordinarily the least expensive and most effortless approach to dump your undesirable effects for a benefit. Else, you can consider selling your things through a relegation shop, one of the numerous online affiliates out there, or a Facebook yard deal gathering.

  1. Get a regular, low maintenance work.

With the special seasons coming up, neighborhood retailers are watchful for adaptable, occasional laborers who can keep their stores operational during the occupied, happy season. In case you’re willing and capable, you could get one of these low maintenance occupations and procure some additional money to use toward your obligations.

Indeed, even outside of the special seasons, a lot of regular occupations might be accessible. Springtime brings the requirement for occasional nursery laborers and homestead employments, while summer calls for visit administrators and a wide range of open air, transitory specialists from lifeguards to exterior decorators. Fall brings occasional work for frequented house attractions, pumpkin fixes, and fall gather.

The reality: Regardless of what season it is, a transitory activity without a long haul responsibility could be inside reach.

  1. Request lower financing costs on your Visas — and arrange different bills.

In the event that your charge card loan costs are so high it feels practically difficult to make progress on your equalizations, it merits calling your card guarantor to arrange. In all honesty, requesting lower loan costs is quite typical. Also, on the off chance that you have a strong history of covering your tabs on schedule, there’s a decent chance of getting a lower financing cost.

Past Mastercard premium, a few different kinds of bills can for the most part be brought down or wiped out too — we featured them in Six Bills You Can Bring Down to Set aside Cash. Continuously recall, the most noticeably terrible anybody can say is no. What’s more, the less you pay for your fixed costs, the more cash you can toss at your obligations.

In case you’re not the arranging type, an assistance like TrueBill can help. The application will survey your buy history to discover overlooked memberships and other rehashing charges you should cut from your financial limit, and it can even bring a few bills down for you.

  1. Consider an equalization move.

In the event that your Visa organization won’t move on loan fees, it might merit investigating an equalization move. With some parity move offers, you can verify 0% introduction APR for as long as year and a half, despite the fact that you may need to pay a parity move expense for the benefit.

On the off chance that you have a Visa balance you could possibly pay off during that time span, moving the equalization to a card like the Find it® Parity Move could set aside you cash on premium while at the same time helping you pay down obligation quicker.

  1. Use ‘discovered cash’ to take care of parities.

The vast majority go over some sort of “discovered cash” consistently. Perhaps you get a yearly raise, a legacy, or reward at work. Or then again perhaps you rely on a major, fat expense discount each spring. Whatever sort of “discovered cash” it will be, it could go far toward helping you become obligation free.

Each opportunity you go over any irregular wellsprings of salary, you can utilize those dollars to take care of a major lump of obligation. In case you’re doing the obligation snowball technique, utilize the cash to square away your littlest parity. Furthermore, in case you’re left with just enormous adjusts, you can utilize those dollars to remove a colossal lump from anything that’s left.

  1. Drop costly propensities.

In case you’re under water and reliably missing the mark every month, assessing your propensities may be the best thought at this point. Regardless, it bodes well to take a gander at the little ways you’re going through cash day by day. That way, you can assess whether those buys are justified, despite all the trouble — and think of approaches to limit them or dispose of them.

In the event that your costly propensity is smoking or drinking, that is a simple one — quit. Liquor and tobacco fail to help you aside from remain among you and your long haul objectives. On the off chance that your costly propensity is marginally less combustible – like a day by day latte, café snacks during work hours, or cheap food — the best arrangement of assault is typically chopping route down with the objective of dispensing with these practices or supplanting them with something more affordable.

  1. Step away from the _.

We’re totally enticed by something. For some, it may be the nearby shopping center or our preferred online store. For other people, it may be driving by a most loved eatery and wishing we could fly inside for a most loved supper. Also, for those with an affinity for spending, having a charge card in their wallet is a lot of compulsion to shoulder.

Whatever your greatest enticement is, it’s ideal to maintain a strategic distance from it inside and out when you’re squaring away obligation. At the point when you’re continually enticed to spend, it very well may be hard to maintain a strategic distance from new obligations, not to mention take care of old ones.

In this way, evade allurement any place you can, regardless of whether that implies taking an alternate way home, maintaining a strategic distance from the Web, or keeping the ice chest supplied so you aren’t enticed to binge spend. Furthermore, on the off chance that you should, stash those Mastercards away in a sock cabinet for the present. You can continually bring them pull out once you’re without obligation.

The Primary concern

It’s anything but difficult to keep living owing debtors on the off chance that you never need to confront the truth of your circumstance. Be that as it may, when catastrophe strikes, you can increase a spic and span standpoint in a rush. It’s additionally simple to become ill of the check to-check way of life, and search for approaches to get out from under the devastating load of an excessive number of regularly scheduled installments.

Regardless of what kind of obligation you’re in — whether it’s charge card obligation, understudy advance obligation, vehicle credits, or something different — it’s essential to know there is an exit plan. It may not occur without any forethought, however an obligation free future could be yours in the event that you make an arrangement — and stay with it sufficiently long.