In all honesty, having a great credit score is pretty much a requirement in today’s day and age if you want any type of great financing. A bank or credit union is not going to loan money to a person who has a bad reputation for paying them back. Banks and credit unions have already learned their lesson from back in 2008 when a ton of people defaulted on their mortgages. The good news is that if you have poor credit or no credit at all, there are very simple ways that you can improve your credit score. In this article, I am going to be breaking down some of these ways
- Pay off all remaining credit card debt
Having bad credit is most likely a result of having credit card debt. If you pay off your credit cards on time, you would have a great credit score. When paying off the remainder of your credit card debt, you can either use the debt avalanche method or the debt snowball method. In all honesty, I would highly recommend the debt avalanche method if you are dealing with large sums of debt. If the debt is like a simple car loan and other small loans, you can use the debt snowball for this will give you a lot of confidence moving forward.
- Only put things on credit that you can pay off
This rule is as simple as it gets but many people fail to abide by it. A lot of impulsive shoppers will put hundreds, maybe even thousands of dollars a month on credit and won’t be able to pay it off when the payment is due. This is a very quick way to hurt your credit score severely. I would recommend buying things like gas and groceries on credit. These are fairly small expenses that are easy to pay off and will build your credit at the same time.
If you are looking for financing, go with GreenSky Credit. GreenSky Credit has over 12,000 merchants that are ready to help you. GreenSky credit also has over $1 billion in loans provided. All in all, GreenSky Credit is the company to go with.
Online dating has become popular since the onset of the internet. Today, people have become so busy with their professional lives that they often find it difficult to find a partner. Thus, they take the help of online dating apps to help find a partner that they can interact and share their lives with. While this might be the reason for the development of new dating apps, they have become more of a way to get casual dates. Most of the dating apps out there do not have any filter that results in everyone being able to create a profile, and sometimes these encounters became quite dangerous as well.
The newest app in the online dating industry, Bumble has managed to set basic rules in place making them not just fun for its users but safe too. The main USP of Bumble is its feature that allows the women to send the first message to their match within 24 hours or they will lose that connection. Bumble, designed and created by Whitney Wolfe Herd has set rules that make it easier for its users to use the app without worrying about what they need to do next. When they know that they have a timer set for messaging the other person, people will respond accordingly. While many thought that these rules would not work and doubted the vision of Whitney Wolfe Herd, the result was entirely the opposite. It is the human behavior that they are always looking for rules and help ease their anxiety when they have a set time to do something.
Many times, online dating apps become quite dangerous. Since there is no one to monitor the messages, people lost their kindness and think that they can behave as they want since there is no one that they have to answer about their behavior. Whitney Wolfe Herd believes in providing security to its users to ensure that no one on their app is bullied and called names. All the messages through the apps are monitored, and any explicit messages are flagged. After a couple of warning, the person is completely banned from the app and cannot use it ever in the future. Whitney Wolfe Herd knew that there was a space in the online dating industry for a women-centric dating app, but the response that Bumble has got in the past three years have been enormous. Whitney Wolfe Herd expects its popularity to grow further and the projected profits for 2018 have been quite exceptional.
It seems that online dating is the way to go these days. That’s because we live in a society where everyone is so busy. They’re either busy with jobs, family, hobbies, and more. It leaves very little time for dating and forming true friendships. This causes a lot of people to become lonely. Whitney Wolfe, the founder and CEO of Bumble, has found a way to combat this. Her app is a game changer for anyone out there who has had a hard time finding love and relationships.
Bumble is an app that has been gaining attention and popularity. Their user population has grown dramatically recently and that’s because Bumble is different than any other online dating app out there. Wolfe created an app where women call the shots. Women are the ones that have the power of messaging a man first. Bumble can also simply be used for friendship. This new way of thinking for an dating app is safer and more empowering for women. It’s no wonder that many are making the switch.
Wolfe is also keeping things interesting when it comes to her Bumble app. The Bumble BFF is a feature of the app which isn’t quite as known as the app itself. It’s great for those who are looking to make new friends. Bumble BFF has worked for many especially those who move to a new city for a job or for school. It’s also great for those who just want to network or be around fresh faces. All you have to do to use Bumble BFF or Bumble itself is create a profile, upload pictures, add some info, and wait till you get some matches! You can browse through a list of eligible friends and decide who you want to hang out and get to know better. Bumble also has a Bumble Bizz section where you can snag a job. Instead of filling out quotes and hobbies, you fill out job info, experience, and links to relevant samples of your work.
Wolfe has made a very relaxed app with no pressure. That’s because Wolfe herself understands how hard it can be to make new friends. She also understands how important love is. Wolfe just got married to Michael Herd in a gorgeous wedding in Positano, Italy. She was a stunning bride who finally got the wedding of her dreams after helping so many other people find love.
For details: www.forbes.com/profile/whitney-wolfe/
ClassDojo, a free communication app for teachers and parents, has just finished their second round of fundraising. This second round closed at 21 million, which will help the app grow their team and expand their features. This app has grown tremendously over the years from its initial application and has matured into a full-fledged classroom communication and collaboration app with extra resources.
ClassDojo sets itself apart from other apps. Most educational tech focus on lesson planning and grade book management. ClassDojo is communication platform that helps to connect the classroom and home in an innovative way. With such constant communication, it makes those quarterly parent teacher conferences obsolete. Sam Chadhaury and Liam Don are hoping to grow the at school and at home features. They want the app to guide the conversations at home between parents and children.
The popular app can be used to create a positive classroom culture through acknowledgement of positive behaviors or sending photos or videos of those precious classroom moments. Often teachers do not have the chance to make all the positive calls, but ClassDojo gives them the chance to “catch them doing the right thing.”
The 25 employee start up has kept the focus on getting the app out to more people, because they have yet to generate profits, yet. User data has never been an option to make profits. Student privacy has always been a concern. They hope to grow the app and create features at home that parents would like to purchase.
The investors have seen the growth of ClassDojo like that of a social network. The messaging, exchange of moments, and other communication features allow parents, students, and teachers to exchange information on progress easily. When the company does choose to make money, they want to make sure that they are making money on features that parents or teachers needs. ClassDojo has always been focused on making both job’s easier in staying connected. Some of the ideas would be like buying yearbooks or paying other fees or maybe transactional features like school lunches or field trips.
Securus Technologies is the leading provider of technological solutions to many correctional facilities in the North America. The level of technology offered by Securus is so sophisticated says PR Newswire that it guarantees public safety while modernizing the experience in the incarceration. They provide their services to more than 3400 correctional facilities dealing with both civil and criminal justice with more than 1.2 million inmates across 48 states in the United States.
In December 2015 as reported by PR Newswire, Securus Technologies released to the market a new and the most advanced technological analytical tool known as THREAD 3.1. This new tool is able to capture conversations between inmates and the outside world while giving analysis through investigating and also reporting on suspicious calling patterns and associations of inmates. THREADS 3.1 contain features that allow for the listening of calls that are going to and from the correctional facilities offering the much- needed security both to the outside world and that of the inmates.
Securus Technology is thus the leading provider of the most revolutionary superior technology that is relevant, modern and which is continuously evolving to meets its client’s needs at all time. It is the largest facility offering communications services in the justice sector and is well known for its latest and up to date web-based technologies. Their products are so much sought after by many correctional facilities and they provide unique lifestyle solutions that range from pre-incarceration to post-incarceration monitoring and reporting making it the best facility in the market for many correctional service providers.
Securus Technologies Company was founded in the year 1986 and has its headquarters in Dallas, TX. It regional offices are also located in Carrollton, TX; Allen, TX; and Atlanta, GA in the United States of America. The company prides an experience of more than 30 years of providing its services to many correctional facilities. It employs so many people and currently it is ranked as the number one innovator in the industry with over 140 patents registered to it and 90 other patents pending registration.
For many years, the company has been connecting family and friends to those that have been incarcerated, connecting correctional officers in those facilities to crucial information, connecting inmates to technology while also helping correctional officers trace and join dots in many investigative leads within the correctional facilities.
In the spirit of giving back to the society, the company has launched the Correctional Officer Memorial Fund which provides financial assistance to correctional officer’s families who have lost their lives in the line of duty.
Read more: https://www.crunchbase.com/organization/securus-technologies#/entity
Nowadays, finding that special one is easy. You just go online and search them. But is it as easy as it sounds? One of the easiest ways to find that special someone is through Skout. It is a platform created in 2007 that has grown to became one of the largest platforms. It has over 500 million users spread across 180 countries and is available in 14 languages. Every day an astounding 10 million logging into this app.
Skout is a creation of Christian and Sesars. Christian is the CEO while Sesar is the COO. The two have steered the company the last few years, and it recently announced it was now a profitable venture after its many fund raising campaigns. Skout has other of shoots including Nixter and Fuse.
Skout has a new feature called Skout travel. It allows one to tour virtually different cities with a friend in that town. It has already been used by more than 10 million people and has seen some increase in tourism in some Asians countries.
Skout is just one in a pool dating apps available. It belongs to a category called the meeting and chatting apps. Other apps include Tinder that allows one to swipe right for the one you don’t like and left for ones you like. Tinder just like Skout is location based and can be filtered to your needs. Omegle, on the other hand, allows one to video chat with a stranger anywhere on earth and Meet me prides itself ability to connect people.
Messaging apps have also exploded. They are some of the most used by today’s teens. WhatsApp is the best example of this class. It today has over 1 billion users. It is restricted to +16 but has no way of enforcing its standards. Kik Messenger is a mere messenger that has an in-app purchase for one to chat with many people. Oovo is a free video, voice and messaging app.
Microblogging apps and sites include Instagram and Tumblr. Instagram allows one to post pics and videos. A well-placed hashtag with location set will increase the likes as it is visible by many people.
Twitter is a microblog too. It allows you to post 140 character words that are instantly tweeted. You can follow your friends and retweet their posts. It’s hard to delete such post once they are gone. Vine allows one to post 6-second looping videos. They are mostly witty and creative.
Another category of apps involve those with time coded messages. They will auto delete after a set time. Burn note, snap chart, Whisper and Yik Yak, belong to this category.
Learn more about new apps at Examiner.com