Your FICO score is what your lenders check to know whether they can trust you to repay on time when they lend you money. This score can be for any financial transaction, including a mortgage, car loan, credit card, and other lines of credit. If your FICO scores are low, you may be wondering how to improve them. The first step to improving your scores is to understand how the FICO scores are calculated. Then, we will take a look at some essential tips on how to improve a bad credit score. Your FICO score is calculated with the help of the following information about you: Credit history A FICO score takes into account your credit history. Longer credit history can mean a better credit score, but a short credit history may also work just fine if you maintain the other aspects of finance. Debt This makes up for a large portion of your credit score. If your balances are too close to your credit limits, it makes you seem like a risky borrower. Credit mix If you’re wondering how to improve a bad credit score, it can be achieved by having a healthy mix of credit. This means that your debt should preferably be a mix of different types of loans and not just one loan.

A lot of us have checking accounts along with a savings account for better services. But more often than not, we let the former languish and do not use it to its full potential. If you also hold a checking account and are looking for ways to get more out of it, then there are certain steps that you may just be ignoring until now. Here are some great tips for optimizing a checking account that everyone should be aware of. Get automation working for you With digital banking making things so easy, it is best to go for automated processes. You can consider setting up a direct deposit and if it isn’t a part of your professional payment methods yet, discuss it with your employer so your paycheck is in the account directly. You can also set automatic transfer methods which directly sends your money from a checking account to your saving account. This can help you save up for important goals and you would not even need to remember this on a monthly basis. Additionally, you can set up automatic bill payments too. This will help ensure that you get the most out of your checking account. Use technology to stay updated While many apps can connect you with your balances, there are certain apps that you can consider using otherwise, too.

Wearable fitness trackers are one of the simplest ways in today’s time to monitor your fitness levels. They also play an important role in giving you that little push that you need to stay motivated and fit. With the help of an activity and fitness tracker, you can make sure that your progress towards getting a fitter body is steady. Wearable technology comes in a large number of variants. The fitness trackers available on the market can easily be gotten in various colors, sizes, and shapes. However, due to them being built to cater to masses, many times people with small wrists are not able to find fitness trackers with a perfect fit. If the activity tracker does not sit perfectly on your wrist, not only will it be uncomfortable but it is possible that it might not record the statistics accurately. Thankfully, there are some top-brand wearable technology fitness trackers available for slim wrists too. Here’s what you can choose from. Apple Watch Series 4 – The 40mm version If there are no budget constraints and you do not mind spending a little extra on your fitness tracker, the Apple Watch Series 4 will be the best fit for your slim wrist.

Samsung is a leading name in the field of mobile technology and it was only a matter of time before it started making the best of smartwatches. With a list of features, including health benefits, GPS, and a tough body, Samsung truly leads the way. So, if you are searching for your ideal smartwatch, here are some of the best options available. Samsung Gear Sport With an appealing design and a durable build, the Samsung Gear Sport is the perfect pick for anyone seeking a fitness-oriented smartwatch. Its exhaustive list of features include a heart rate monitor, GPS, rotating bezel, and Samsung Pay. It also lets you receive and make calls and reply to emails. This smartwatch runs on the Tizen operating system and the interface is smooth and easy to navigate. The two most popular apps include MyFitnessPal and MapMyRun. There is also an interesting collection of watch faces so you can personalize the watch as you please. The Samsung Gear Sport works with Android and iOS. Samsung Galaxy Watch Active 2 The Samsung Galaxy Watch Active 2 is one of the best smartwatches and it does not compromise on its features. It works with Android and iOS. Some of the best features of this smartwatch include a heart rate monitor, Samsung Pay, ECG sensor.

One of the top trends today is to have an amazing viewing source for entertainment. Most of us already have streaming services like Netflix wherein we opt for plans that offer us a lot of flexibility and content versatility. On that note, it only makes sense that we spend well and buy a 4K television from a top brand. To that effect, this article collates the top options for you to consider and buy from online retailers: Samsung QN49Q70RAFXZA Flat 49-Inch QLED 4K Q70 This particular product from Samsung is available in the following variants: 49 inches, 55 inches, 65 inches, 75 inches, 82 inches, and 85 inches. You have two options for buying this TV. For the first one, you can simply go for the TV while the second deal offers you a combination of the TV with a Q60 R soundbar. You can also opt for two services. The more affordable service comes without any installation while the one with expert installation will cost you more. However, we recommend you to opt for the latter. The starting price for the same should be anywhere between $897.99 online and it is definitely worth the money. Sony XBR49X900F 49-Inch 4K Ultra HD Smart LED TV This particular offering by Sony comes in five different variants.