How to Check Your Credit Score Online

A credit score is a three-digit number between 300 and 900 that best describes a person’s creditworthiness, as represented by their overall credit history and final credit rating report. Credit scores are how financial institutions assess your credit risk. 

What Can Actions Lower Your Credit Score?

  • Late Payments
  • Not Paying at All
  • Having an Account Charged Off
  • Defaulting on Loans
  • Bankruptcy

Checking your credit score is a valuable way to learn more about your financial health, and it can provide helpful insight into whether you’re likely to qualify for a loan or credit card. Here’s how you can check your credit score online:

Credit Scoring Websites

One of the best ways to check your credit score for free is to visit a free credit score website. These websites typically provide access to credit reports, scores, and credit monitors and are updated weekly to monthly. You can learn more about how your credit card affects credit score. There is no charge to sign up for an essential credit update. However, some websites offer advanced services for a monthly fee.

Check With Your Credit Card Provider

Many credit card providers offer cardholders the opportunity to check their creditworthiness for free. These tools often include access to score history and the ability to see what caused recent changes. 

Some providers even allow customers to predict how the score will respond to variables such as payments on time, credit limit increases, and mortgage borrowing. However, be aware that most providers require cardholders to sign up for this service. So make sure you are logged in if you want to access your scores.

Nonprofit Credit Counselor

Credit counselling is a service aimed at helping consumers get out of debt. It includes providing money management advice, creating budgets, working with creditors, building healthier financial habits, and assisting borrowers in developing plans to repay their debts. Non-profit credit advisors offer a safe and reliable way to understand your credit score and improve your finances. 

Importance of Checking Your Credit Score

Checking your credit score regularly is essential to your financial health. Here are some reasons why checking your credit score is necessary:

Helps Improve Your Score

Understanding your score and how it’s calculated can allow you to make strategic steps to improve or build your credit score over time. Many scoring websites can simulate score changes based on various factors, including on-time payments, special payments, and new loan applications.

Helps to Understand Your Current Financial Situation

Knowing your credit history makes it possible to understand your financial situation thoroughly. A complete understanding of your score can help you decide if it’s the right time to buy a house, apply for a car loan, or make another big purchase.

Allows You To Compare Financial Products Requirements

Knowing your credit score can help you decide if you are likely to qualify and if it is worth applying for. In addition, lenders typically offer an in-person loan prequalification process that allows potential borrowers to see the types of interest rates they may qualify for based on their income and credit history.

Tips to Improve Your Credit Score

Good credit often makes it easier to get loans, credit cards, and more at affordable interest rates. Even if you don’t plan to apply for a loan soon, good credit can help you save money in other ways, such as lower insurance premiums:

Stay on Top of Payments

Late payments can negatively impact your credit score. Paying your bills on time is one way to show your lender that you are responsible. Payment history is the factor that most influences both FICO and VantageScore credit scores. Avoiding late payments, defaults, repossessions, and foreclosures is crucial. 

Build Your Credit File

You cannot have a good track record as a borrower unless you have an account in your name. So it helps to have at least a few open and active credit accounts. These include credit builder loans and secure cards if you’re just starting or have a low score. Rewards credit cards with no annual fees are great if you want to improve your established high score.

Limit Applications for New Accounts

You may need to open an account to build your credit file, but generally, you should limit how often you submit loan applications. Each application can be under strict scrutiny that can hurt your score a bit, but the scrutiny can add up and have a compounding effect on your credit score. Your age will also drop, which may affect your score.

Everyone faces financial difficulties at some point in their lives. Therefore, it is essential to maintain good credit to qualify for a personal loan. It is best to check your credit history once a year to get a better picture of your finances.


4 Simple Tips to Keep You Safe From a Malware Attack

As you may know, malware is software that infects computer systems in order to disable, damage, or exploit the device or the network.

Cybercriminals’ intentions for using malware van vary. They could use it to steal, delete, or encrypt your sensitive information, hijack or alter the functions of core systems, monitor your activity without you knowing it, introduce spam or forced advertising, or extort money from you.

Malware can be distributed via things like email attachments, fake online ads, and infected websites or apps.

Thankfully, there are some simple ways to stay safe from malware attacks.​​

Source – Pixabay

Types of Malware

Whether you want to run a profitable website or you use your devices purely for personal use, it is important you are aware of the most commonly used types of malware.

Cybercriminals often use:

  • Adware, which automatically delivers ads to generate revenue.
  • Backdoors, which enables cybercriminals to access your computer without your knowledge.
  • Rogueware, which makes you think your device has been infected when it has not been and thereby makes you click on a fake warning that will install the malware.
  • Ransomware, which restricts you from accessing a system or data until you pay a ransom.
  • Spyware, which can enable cybercriminals to watch and listen to you via cameras and microphones as well as log your keystrokes to extract sensitive information.
  • Viruses, which negatively affect the way your computer operates.
  • Worms, which can replicate themselves without having to be attached to a program or run by a user, making worms one of the most dangerous types of malware.

Prevent Ransomware from Being Installed on Your Computer

There are several ways in which you can prevent ransomware.

For instance, cybercriminals often use phishing techniques. That involves sending emails that appear to be from reputable sources and which contain links that, once you click on them, will install the ransomware on your computer.

The cybercriminal will then ask you to pay a ransom to remove the malware.

You can simply avoid that by ensuring you never click on untrusted links. If you are unsure about the legitimacy of an email and link, always contact the company directly using an official communication method to find out whether the email is genuine.

By expanding your education and security awareness and knowing how to remove ransomware, you can further stay safe from this kind of attack.

Install Antivirus and Antispyware Software and Update it Regularly

To stay safe against any type of malware, you must install antivirus and antispyware software.

Even though everyone should know how important it is to install protective software, many people forget to keep their security software updated. So, make sure you regularly update it as required.

Utilize Secure Authentication Methods

Whether you are shopping on the web or building your own fitness app, you can better protect yourself against a malware attack by ensuring you use secure authentication methods when online.

First off, you need to use strong passwords. That means using passwords that are at least eight characters in length and include both uppercase and lowercase letters and a combination of letters, numbers, and symbols.

You also need to use different passwords for each site you log in to. And you should consider using multi-factor authentication, such as security questions and a PIN.

You could even use biometric tools like facial recognition and fingerprints to stay even more secure.

Control Access to Your Systems

There are several ways in which you can regulate your networks to protect yourself against data breaches. For instance, you can:

  • Install a firewall and intrusion detection system or intrusion prevention system.
  • Always read through licensing agreements before installing new software.
  • Remove any inactive accounts on your devices.
  • Disable unused protocols and close unused ports.
  • Never use unfamiliar media or remote drives on a publicly accessible device.

5 Reasons Why PDFs Are So Popular and How to Use Them Effectively

The modern human is surrounded by tons of digital information. A quick search on Google or your social media timeline will reveal that the internet is overflowing with videos, images, and other interactive content.

But despite all the digital developments, people still love PDFs so much that they are still one of the most widely-used file formats online. Whether you want to read a book on your gadget or send personal files to a friend via email, you can’t overlook this file format. 

Here are five reasons PDFs are still popular and how you can get the best out of these files.

Reasons Why PDFs are Still Popular

1. Versatile Compatibility

A crucial feature of any file format is its compatibility. You must ensure that the files you plan to use or share are compatible with any device and program on your gadgets. 

PDFs eliminate this worry since you can read them on virtually any device, from desktops to smartphones to tablets to e-readers. They are also compatible with several operating systems such as Windows, Mac OS X, Linux, and Android. 

2. PDFs are Easy to Read and Navigate

PDFs have been designed to fit any screen size. You can easily change the font size of a PDF document or zoom it to your perfect view. Moreover, you’re not limited by a page’s layout, and you can seamlessly scroll up and down without experiencing glitches.

Another helpful feature is that, when reading a PDF file, your device will still remember where you left off even if you switch it off for days. It will also tell you the number of pages in your document, saving you the hustle and bustle of looking back and forth to see how far along you are. 

3. Offline Use

One of the biggest issues with other file formats is that you can’t open them offline. A PDF document, on the other hand, can be downloaded and opened on any device without an internet connection. 

Due to their offline feature, PDFs are a perfect format for business presentations and reports in areas with limited internet connection. They also make it convenient to share files with clients and coworkers who don’t have access to your cloud storage service.

4. PDFs are Easy to Create, Share, and Edit

Creating PDFs is never an uphill task. In fact, you can easily make and share these documents using printers and scanners linked to your computers. And if you want to convert your PDFs to other easy-to-edit formats like word, you can use an online PDF to word converter, such as PDF Simpli, in a split second. 

5. Security 

Security is another reason PDFs are so popular, especially for individuals with sensitive documents on their devices. 

Unlike other file formats that rarely offer protection, PDFs allow you to secure your files with passwords and add restrictions on editing or printing. You can also stop someone else from forging your files by adding a watermark to your PDF files. 

How to Use PDFs Effectively 

With all the benefits PDFs offer, you will probably have many of them on your devices, and it is possible to run out of space, especially if you have large files. Fortunately, you can compress them using PDF compressors to reduce their sizes and save on space. 

Besides compressing PDFs, another effective way to use these types of files is by adding an electronic signature without printing or needing immediate access to a printer. This is best achieved with the help of free or paid tools, which help you add signatures electronically, even in a professional capacity. 

Other functions PDF editing tools can help you achieve include merging PDF files, erasing existing texts, or even removing pages. 


3 Primary Benefits of Business Analytics And Business Intelligence Solutions in The Retail Sector

According to EPAM Anywhere, business intelligence in the retail industry provides the correct data for retailers to make data-driven and better-informed decisions. It will also help you better understand your customer’s attitudes, pain points, behaviours, and needs which are crucial for your business’s success. 

You would be able to achieve your retail goals faster when you employ a business intelligence solution. There are numerous benefits of business analytics and business intelligence solutions in the retail sector. This article will list some of them.

Benefits Of Business Analytics And Business Intelligence Solutions in The Retail Sector 

Here are the primary benefits you would enjoy if you employ business analytics and intelligence solutions as a retailer:

1. Open And Manage Numerous Stores

Undoubtedly, you have a genuine reason to celebrate if you are opening new stores across different locations. It implies that your business is moving forward. And although new stores present better opportunities to access and reach more potential customers, you will also be faced with a severe challenge. 

The only sustainable way for your growth is for all your new stores to deliver what your brand promised to potential customers. You must also fulfil these promises at every customer’s touchpoint. And seeing how ever-changing the retail sector is, you can’t afford to make mistakes in this aspect. It would be best if you learned how to fix anything that is not working as it should. 

With the application of business intelligence in the retail industry, you can now eliminate static reports and the numerous spreadsheets you use to keep up with your multiple stores. You can now employ advanced responsive data analytics. You can also use analytics and reporting to discover distinctive patterns in inventory, sales, margins, and regulations in each geography.

This will, in turn, help you to optimize your operations across your stores. You will know why you are not seeing the desired changes in a particular store and take the necessary actions. 

2. Easily Handle Supply Chain Difficulties 

A significantly functioning retail business must have effective and efficient marketing. However, retailers are often faced with numerous marketing issues. These issues include but are not limited to out-of-stock products and underperforming inventory. 

In recent years, the supply chain has become more difficult due to some special dynamic forces. These include diversification in sales, sourcing practice changes, and distribution formats. There is usually constant pressure to quickly replenish products that are about to finish on the shelves. You can’t avoid troughs and seasonal peaks. So, it’s crucial to address logistics and convey the correct volume of goods effectively. 

Retail BI analytics help you to improve your brand. This will, in turn, give you more reduced markdowns, good assortments, and the effectiveness of more excellent inventory. You can use the easily accessible crucial and insightful data to see how functional your supply chain network is, comprehend demand patterns, and enhance your daily business operations. This will help you to increase customer satisfaction and loyalty. 

3. Stay Up-to-date With Current Consumer Trends 

Two primary factors control core retail trends; transformative cultural shifts, and ever-changing consumer behaviours. These trends include: 

  • Consumers want various high-quality and affordable products 
  • In this age, consumers are also significantly informed due to advanced technology like smartphones, the internet, and social media. These technologies give consumers unparalleled access to pricing, products, and reviews.
  • Consumers constantly want to communicate with retailers swiftly and consistently. 

You must be able to keep track of customer trends to be effective at design, marketing, and product development. One of the benefits of business intelligence in the retail industry is to analyze and prepare for massive data. You will then identify repetitive patterns in customers’ buying behaviour. 

You can also plan, access, and monitor how successful your promotional activities are. And you will be able to know how your customers react to seasonal promotions, marketing incentives, and competition. You can also collate social media data and analyze how our customers respond to your social media posts. You will then use the information to monitor buying patterns, demographics, and influencing behaviours. 

Final Thoughts 

There are several benefits of business analytics and business intelligence solutions in the retail sector. Some include managing several stores seamlessly, efficiently handling supply chain difficulties, and staying up-to-date with consumer trends. If you are a retailer and want to improve the scalability of your business, you must employ business intelligence in your daily operations. 


7+ Best Writing Tools in 2022

Writing has been an essential component of human culture for ages. As we have evolved, so have our writing tools –from lost tools such as clay, slate, and wood, to pen and paper, typewriters, computers, and recently AI-enabled machines and software. Today, writers are spoilt for choice regarding the writing tools to consider for essay writing, storytelling, editing, organizing, or boosting productivity.

Whether you are a seasoned author, a casual blogger, an aspiring writer, or someone who likes to maintain a journal, keeping track of your thoughts and creating a masterpiece is always challenging. Unfortunately, the world continues to be busy, and there are a whole lot of issues to be attended to, making it difficult for one to sit and wait for writing inspiration to strike.

Fortunately, numerous writing tools are available online, free or paid, which can come in handy for authors, novelists, and playwrights, among others. These implements allow writers to put down ideas whenever they strike, regardless of time, and receive feedback on whether they are grammatically correct. As a result, productivity seems to be on an upward trajectory, leading to the continued development of the writing career.

What Are Some of The Best Tools for Writing?

As hinted, advanced technology in modern-day society presents multiple tools for writers to use during the inscription process. Such implementations range from those that check for grammatical errors, vocabulary, and sentence structure to those that offer suggestions on the correct line of thought. Equally, there are tools designed to aid writers by providing meaningful feedback and recommendations, making one adore the entire writing process.

Perhaps you might be conversant with Microsoft Office and Google Docs as some of the standard and most popular tools for writers. If yes, this article will present other tools to complement the latter and help you boost your expertise by choosing from the recommended selection.

1. LibreOffice

As mentioned earlier, Microsoft Office is a common writing tool whose productivity is well known among writers. Here is its free counterpart: LibreOffice. It is a free classic word processor that might be useful for anyone interested in feeling the power of Microsoft Office without paying a dime. Moreover, it supports all the file types, from the .pptx, .ppt, .xlsx, .doc, and .docx.

2. Draft

Are you a fan of Google Docs? If yes, we might have just introduced you to another option, a perfect replica that is bound to improve your productivity by a significant margin. Draft is one of the best tools for book writers as it lets you keep track of the words you write every day. It can also send you email reminders if you fail to meet your daily word count goals. Aside from that, Draft works the same way as Google Docs, permitting collaborative writing via suggested edits and comments on the document.

3. Grammarly

Grammarly is an AI-powered writing assistant tool that surpasses basic spell checkers. The implementation includes functionalities that allow the writer to check grammar, spelling, punctuation, and plagiarism. Further, it enhances the vocabulary of the write-up, making it appear unique in its way.

Even though there is a free version of the software, the premium version is much better. However, accessing the premium version may be a bit of a hassle for less established writers such as casual bloggers, novel writers, or even students who might need to work on a single essay assignment.

At this point, one can choose to seek assistance from a professional essay writing service. The latter has access to the software and might save you from the hustle of purchasing premium accounts, as well as the overall writing process. CustomWritings is the best example of such companies, providing high-quality custom essay writing services. Furthermore, the website is available for both individuals and companies since they have experts who can generate original papers based on the client’s instructions regardless of whether the assignment is academic-oriented. Thus, it is common to find students in the USA and beyond placing orders, inquiries, or even buying custom essays and research papers depending on individual needs.

4. Reedsy Book Editor

This free online word processor formats your book as you write. It is a good option for authors interested in seeing their thoughts string into a ready-to-publish manuscript. Apart from the sophisticated level of organization that the tool offers, it has spelling-checker functionalities, which help to boost general productivity.

5. StayFocusd

Do you usually struggle to remain attentive and focus on your writing task, or are you just interested in avoiding distractions from other websites and apps? StayFocusd is your answer. It is a Google Chrome extension that helps you block all the sites you ask it to and prevents you from getting distracted. Therefore, it plays a part in improving your productivity and ensuring you deliver to your mandate.

6. ProWritingAid

ProWritingAid is a three-in-one tool working as an AI-powered writing mentor, style editor, and grammar checker. It might just be an alternative to Grammarly. In addition, the implementation offers more granular recommendations, which might be the right dose for any serious writer to understand the mechanics of writing.

7. QuillBot

This AI-powered multi-purpose tool works as a citation generator, paraphraser, plagiarism checker, grammar checker, and co-writer. It is arguably one of the best tools in academia, even though it might not be a good option for content publishers and freelance writers.

Online Writing Tools for Students

When it comes to writing tools, a good number can be accessed online. This is primarily because most of them depend on an internet connection to provide the best services to the writers. For instance, except for LibreOffice and Microsoft Office, all the tools mentioned are online-based.

Even though we have discussed the best writing tools at the writer’s disposal, it might as well be essential to have some free tools from the list highlighted. Specifically, some writers might not be able to pay the premium subscriptions while still needing to boost their performance. Thus, at this point is where the free writing tools come in handy to save the day and ensure that all students meaningfully develop their careers.

From the above-discussed tools, the following can be accessed for free or at least have some free tiers:

  • LibreOffice
  • Draft
  • Grammarly
  • Reedsy book editor
  • ProWritingAid (chrome extension)

In sum, productivity is a very crucial aspect of writing. However, this is impossible when resources, from learning materials to writing tools, are unavailable. As a result, it has become a significant challenge for beginners to break through the industry, let alone come up with the best content. Therefore, with the recommendations in this article, we believe that writers, especially those beginning their careers, can garner some helpful information that will play a substantial role in their development.


Best Online Tools for Running a Profitable Website in 2022

Running a website precedes its creation and content management. It’s a more scrupulous and multilevel process that eventually should bring profit and audience growth, together with meeting clients’ interests. To succeed in building a fruitful website, it’s vital to apply diverse SEO platforms and services to optimize its performance, keep track of progress, and determine what goals should be achieved.

Moreover, today the competition is increasing fiercely, with each new website owner aiming to engage more clients. Although, you can find dozens of marketing tools and business strategies to strengthen your content and back up ideas.

Therefore, nowadays, online businesses have lots of profitable solutions for running a website and having a good income if doing everything right.

Let’s outline the most suitable tools for creating a website from the very start and proceed to its promotion via SEO services and design generation.

  1. Make up a suitable domain name. Use such a service that assists in choosing a fitting domain name for your website by omitting its duplication. Just enter a domain you want to apply and keywords to use, and the program will analyze the provided database to know whether it’s free or is already taken.
  2. Track website performance and clients’ activity. Google Analytics is an irreplaceable tool for these purposes. Each marketer and SEO expert uses it to get accurate marketing metrics to upgrade the site on Google ranking. Want to track conversion and visitor interaction and boost your user experience? GA is a perfect place to receive the whole report in one place.
  3. Getting a complete technical audit of the website performance. SEO Power Suit is a unique tool including 4 separate services to get a comprehensive picture of your website progress. WebSite Auditor will help to check a website’s structure, indexing, SERP, and general optimization. Rank Tracker is good for keyword tracking and website position on search engines. LinkAssistant deals with link-building strategy and applying proper backlink prospects. SEO SpyGlass will help you to select fitting backlinks and trace competitors’ performance.
  4. Start building your brand. With Awario, you’ll know overall analytics about the frequency people mention your brand name and fitting keywords.
  5. Ensuring smooth user experience. Use the PageSpeed Insights platform to check whether your website complies with the desktop and mobile versions and whether it’s optimized enough.

All in all, these web page tools will direct you concerning what aspects are necessary to fix and what points should be unchanged.  With proper optimization, you’ll succeed in selling your idea and products by engaging more clients and promoting your project to the users.

Make Your Hobby of Writing Articles to a Profitable Business

Making money on text writing isn’t something new. Today, more and more freelancers are thinking of getting income from what they do best – creating articles, reviews, guest posts, and blogging has become a beneficial way to receive some revenue. But, first, it’s important to know all the nuances of blog post writing and what SEO tools and specific programs are essential to implement to gain considerable results.

The next step is to determine what website-building tools you’ll use to create yours. There are numerous site builders having both their pros and cons: Wix, Shopify, Weebly, Jimdo, WordPress, Squarespace, etc. So, only a user can decide what exact website is more fitting for their purpose. According to the online life magazine, WordPress is the best option for crafting a good-looking website, even if you’re just a beginner in this field.

Although, don’t forget that you won’t get the desired outcome on a whim. Some efforts are required to monetize your blogs and become a leader in the niche. First, it’s crucial to tune up a website to make it attractive, catchy, and informative for the users. Check its structure, page layout, design, and user experience – together, these points should create an engaging picture clients will want to visit and move to read the content.

Second, you need to concentrate on your website SEO promotion and make it relevant to your target audience. Here you should deal with an in-depth analysis of your industry, find out the interests and needs of your clients, know the latest trends, and work with keywords scrupulously to achieve high SERP. 

Finding Authoritative Partners to Increase Rating & Recognisability 

Besides professional SEO tools for websites running, there’s quite an effective way to engage more readers to your blog – using guest posting and trusted backlinks. That means you need to find credible websites with high-quality content of the same niche and offer them to place a guest post on your website. So, you’ll get a trustworthy source with a link to it that will bring you proven leads, stable traffic, and income.

The truth is that placing paid backlinks is a very efficient way to promote your website, thanks to the organic links from credible sites. All you need is to comply with the requirements of the field and meet the audience’s needs. Having it done, the applied backlinks will facilitate your site development without a hitch.

To become an expert in website promotion, contact Adsy company to know the most effective way to get money from your blog. Apply such a technique as affiliate marketing by inserting credible links to your posts, doing advertising, writing publications to become an influencer in your niche, or creating sponsored content. In any case, Adsy will assist you in promoting your blogging, upgrading your writing skills, increasing your ranking on Google, and eventually, you’ll start to make a profit from it.


4 Helpful Coaching Apps and Software to Upgrade Your Practice

MD: Are you a coach and looking for apps to make your practice and customer experience even better? Click here and review a top-4 software list to upgrade your practice.

Coaching is one of the fastest-growing branches of management consulting. According to the International Federation of Coaches (IFC), there are now more than 40,000 certified business coaches working in the world, and their number keeps growing day by day. Daily rates for coaches in developed countries can range from one to 30 thousand dollars. Such financial perspectives make many people look in this direction and develop their professional skills. 

Twenty years ago, working with a personal coach was considered extravagant for a manager. Ten years ago, it was just a trend. And today, coaching is becoming almost as common among senior management as working with business consultants, auditors, and recruiters. 

One of the biggest challenges in achieving career happiness in your coaching practice is the lack of time to complete administrative tasks while finding new businesses and satisfying your clients. Luckily, there are several apps and software tools that you can use to take your business to the next level! Let’s take a look at them.

#1 – Satori

One of the best options for coaches is Satori, which has an interface that is both easy to use and effective. You may simplify your whole coaching process with their coaching software without worrying about assembling a team for every aspect of your organization. It is a flexible solution that enables you to quickly and effectively develop your coaching program, brand your client experience, and publish your coaching recommendations. So that you may spend more time assisting your clients in achieving their goals and less time on administrative tasks.

By connecting Satori with your payment processor and email marketing platform, you can also use the app to collect online payments and track email bounces. This will help you construct a strong brand in your market and will immediately enhance client retention. Satori is similar to employing a virtual assistant that does all routine activities that don’t need your careful supervision and attention.

#2 – Calendesk

Modern electronic calendars have long performed a much larger list of tasks than conventional paper calendars. They not only help us to know a particular date but also allow us to create our own schedule and organize our remote work even better. What is more important, they notify us in advance about upcoming dates so that we do not forget about them. The Calendesk app does a good job with these tasks although you can’t call it super functional.

You may use the app to connect with your favourite sites. By using the solution, you may easily and quickly schedule a career coaching appointment in a location you are familiar with. To learn if they already utilize the Calendesk booking system, get in touch with your partners. The app is entirely free and contains all the features you want to visit your favourite locations. Never before has made an appointment been so quick and simple.

#3 – The Curve

The Curve is a British fintech startup that allows its users to store up to 100 payment cards on one Mastercard plastic and manage them through a mobile application. When ordering your solution from The Curve, you receive a personalized Mastercard debit card. There are several card products to choose from:

In addition to the ability to add about a hundred payment cards, The Curve also provides its users with the following functions:

  • Transfer funds in more than 25 different currencies;
  • 1% cashback on goods and services of three merchants. The seller list includes dozens of well-known brands, including Starbucks, Virgin Experience, Netflix, Spotify,, Apple, Amazon, H&M, and more;
  • The “Go Back in Time” feature allows you to change the card used for a transaction of up to 1,000 euros within 14 days after payment;
  • The ability to send money abroad without additional conversion fees. The free account has limits on overseas transactions with zero fees up to £ 500 (about $ 652) per month;
  • Free cash withdrawal from ATMs abroad. The service operates according to the limit of the tariff plan, but up to 600 pounds (about $ 782) per month;
  • The Curve customer protection. Refunds up to 100 thousand euros for unauthorized transactions or for services and goods that were not provided by the seller or were provided of inadequate quality;
  • Locking and unlocking the card in the application. You may freeze your card on the app in case you misplace it and then unlock it once it is located.

To store a dozen cards on one plastic item, you need to install the Curve application, register there, and then add your debit and credit cards. Such an approach will significantly ease the payment system.

#4 – Screen Capture

The easiest way to communicate information is to visually show what needs to be conveyed to another person. That is why screen recording programs are very popular among coaches. With the help of such apps, you can record videos with your own comments (screencasts), create tutorials, and capture webinars. And this is where the screen recorder comes in handy. 

The utility is capable of capturing a specific area of ​​the monitor and recording just anything that needs to be captured. 

Achieve Success in What You’re Doing!

It is easy to reach success in your dream job if you have all the necessary tools and instruments at hand. You may have in-depth knowledge and solid experience, but you will hardly be able to deliver all that without dedicated utilities. The above top 4 tools will make your life coaching practice more efficient and hassle-free. So use them to your benefit to the max!


Reverse Phone Lookup: A Few Services for Your Comfort and Safety

Have you ever had a situation where you desperately needed to find out who the owner of a particular phone number was? It is understandable how frustrating that must have been since the standard procedure is to find a phone number from other details you might have, not the other way round. Luckily, Reverse phone number lookup, just as the name implies, allows you to move from knowing a person’s number to see the identity of the person at the other end of the phone.

Therefore, if you have a call from an unidentified number, spam calls from an unverifiable source, or are just curious as to who owns a specific number, you can take advantage of reverse phone search apps or websites to find the owner of the phone number. Your next question might be how you can access such information. Luckily, Radaris reverse phone lookup provides you with the best phone number search services with accurate, reliable, and comprehensive results.

Top Radaris Reverse Phone Number Lookup Services

With Radaris reverse number lookup, there is no limit to the wealth of detailed information that Radaris will provide you upon your search. Just from the comfort of your space, you can find details of various phone number owners. You might want to find phone numbers based on various reasons that include;

1. To avoid scammers:

The unidentified missed call or the repeated calls you have been receiving might be from anybody, and how can you say that it is not from a scammer or someone looking to dupe you? Your callers might claim to be from reputable organizations or brands, but how can you tell?

Before you return every call you have missed or provide details to the supposed bank official, you can run a quick phone number search to figure out who is at the other end of the phone.

2. To find out friends from the past:

Reverse number lookup can also work for positive situations like trying to find your old friends or colleagues when the only piece of information you have other than their names is their phone number. By searching for their phone number on Radaris, you can get a record of information that can lead you to their doorstep if you want.

3. Run a background check:

For your safety and those around you, you must have enough details about those you are surrounded with. Radaris will provide enough information about them when you run a background check. You can run background checks on your maids, drivers, neighbours, kids’ friends, and everyone you are surrounded with just by searching their phone numbers on Radaris reverse phone lookup.

Records that You Can Find From a Phone Search

  • Full names, nicknames, or maiden names
  • Past and current addresses
  • Past and current mailing addresses
  • Social media accounts and email addresses
  • Marital status
  • Career or profession
  • Education/ Employment history
  • Current location


Once you get a call from a suspicious phone number, do not panic. With Radaris reverse phone number lookup, you can unearth every detail pertaining to the phone number in question; all you need to do is provide the phone number in the provided space, and you have all your details in a few seconds. You can also find your long-lost friends or colleagues or find a person’s location with a reverse phone number lookup.

Frequently Asked Questions?

  •     Can I do a phone number search for free?

Radaris reverse phone lookup provides an easy way to look up suspicious phone numbers at no cost.

  •     Will a person know that I searched for their number?

No. Not unless you inform the person, there is no way to find out that their phone number has been looked up as searches are anonymous.

  •   What will I find out when I look up someone’s number?

Depending on how vast you want your Radaris phone number search to be, you can find out any detail you wish to find about the owner of a phone number. Full names, aliases, maiden names, work history, current location, social media accounts, and their families and relatives are the sort of information that reverse phone number lookup offers you on Radaris.


8 things to consider if you decide to build your own fitness app

The fitness sector will hit market volumes of 20.5 million by 2023, and it will keep growing. There has never been a better time to create a fitness app, as millions of people are eager to live healthier and become more active. But before you can build your own fitness app, you need to look at the bigger picture. 

Things to consider before you create a fitness app

It may seem easy to create a personal trainer fitness app or workout app, but it’s not. You have to take a lot of different factors into consideration. Let’s look at how to create a workout app, or health app, by taking these important factors into account. 

1. Your monetization model

Before creating a gym app or other fitness app, you have to be clear on how you’ll make your money back. You can either sell the app itself, use in-app purchases, sponsored content, or a freemium model (where you offer a basic version or trial for free, with the option to upgrade). You can also use a combination of the different methods, but it’s important that your app isn’t constantly asking for more money in order to unlock additional functionality. 

2. Your features

Every fitness app needs basic features, including user profiles, notifications, social sharing, and more. Then you have nice-to-have features like gamification or videos. And, of course, you can get even more high-tech and integrate with smartwatches or other devices. Bear in mind that the more features you have, the more expensive your app will become. 

3. Your development team

You will need to hire an expert team specializing in ​​health and fitness app development. You can either hire an in-house team or an external team, but each has its own pros and cons. For example, an in-house worker will work the same hours as you, you can hand-pick your team, and you can retain them for a very long time. However, this is the most expensive route you can take, and you’ll spend months just interviewing and recruiting them. Most companies hire offshore teams that are ready to start work right away and leave when the contract is done. You don’t need to purchase equipment or hire an office for this route, and the agency will handle all of the admin and hiring for you, so it frees you up to focus on the business. 

4. Your platform

Are you launching your app for Android or iOS… or both? You’ll need Android or iOS developers and a backend developer specialized in whichever platform/operating system you choose. Most people choose cross-platform frameworks to speed up development and launch on both, but these developers are hard to find. 

5. Type of fitness app 

What type of fitness app do you want to build? You can choose between activity trackers, diet and nutrition apps, workouts and exercise, or specialist apps for yoga or sport, or walking. The type of app you choose will impact your features, which will impact your cost. It will also attract a different audience. You should also bear in mind that activity tracking apps will require user data and tracking, which means you need additional security and privacy measures to keep their data secure.

6. Development and budget

You’ll need to create a scope of work and project roadmap to properly plan your resources and build the MVP (minimum viable product) version of your app. This will also inform your budget. Don’t forget that you’ll need to keep developers onboard for maintenance and bug fixes and plan for marketing and promotion as well. 

7. UX and UI

If your app isn’t fun and user-friendly, it will fail. Plan to spend at least 160 hours on UX and UI development, and ensure you hire a skilled developer who understands mobile app design principles. 

8. Testing 

Don’t neglect to test! Testing your MVP with your target audience will give you an idea of the features that your customers love (or hate), so you can fix these issues before you spend money on marketing to a wider audience. 

Now you know everything you need to consider before you create a fitness app – all that’s left is to come up with your award-winning idea and get started! 


5 Ways to Stay on Track with Your Online Course

Now that you’ve started an online course, make sure you stay on track. It’s important to recognize that a student who takes an online course works at a different pace than a traditional brick-and-mortar student. Moreover, it’s easy to veer off the beaten path when you’re setting your own pace. 

To facilitate the learning process some students use online essay writer services or peer-to-peer assistance. Such kinds of cooperation allow students to get good grades, and save time and money. 

Here are five tips to keep you on track.

1.  Review Your Due Dates

In many online courses, the instructor will give you a syllabus with the anticipated due dates for course assignments, tests, and homework for the duration of the course. Keep these deadlines close at hand so you can easily modify or plan your weekly schedule based on your upcoming due dates.

If you don’t already have one, buy a date book or planner for organizing your weekly schedule with your course deadlines in mind. Make a To-Do list every week to post on your refrigerator. It’ll help you focus on the tasks at hand.

Just remember that writing down deadlines is not enough–you have to stay committed to completing your weekly tasks. If you find yourself losing pace with required reading assignments, paper submission dates, and test dates, don’t be afraid to readjust your schedule. Set your own pace, keep to your pace, and readjust if needed.

2.  Avoid Distractions

Chances are, reading that chapter is not your only task for the day. Maybe you have to pick up the kids or run some errands. In a nutshell, online courses require self-discipline. Because you can attend class on your own time and set your own study pace, it’s a challenge to stick to a strict schedule. Distractions in the form of family and employment will have a constant pull on you, so you must learn to manage your time well during the course.

One way to avoid distractions is to know where you work best, whether that’s in your spare bedroom or even at the public library. Studying for your online class at a designated location will help you focus.

If you still find yourself distracted by interruptions, try allotting a specific amount of time to complete writing assignments or test reviews to stay on track. Knowing your learning style will help you make the most of the time you have to study.

3.  Stay Connected

Because you don’t have class lectures in an auditorium with other students, you may feel isolated and, as a result, may be less motivated to complete assignments. After all, it’s just you at your computer. Human interaction is crucial for getting the most out of your e-learning. Connecting with classmates online through class discussion boards and social media sites, or even offline by scheduling group study sessions, will help you develop a much-needed support system.

Don’t limit yourself to just your classmates. Interacting with your instructor by asking questions via email will also help you stay motivated and more connected to the coursework. If you haven’t already, start building that relationship with your instructor now.

4.  Share What You Learn

Although you might be the only one in your household who attends an online course, let your family and friends know what you’re learning, what assignments you’re working on, and when assignments are due.

By sharing what you learn with the people around you, your interest in the course will stay fresh and the material will be reinforced in your mind. Moreover, you will have a higher chance of sticking to your due dates when other people are aware of them. The encouragement from family and friends to finish assignments will help you focus and stay motivated.

5.  Reward Yourself

Once you’ve accomplished all of your course tasks for the week, reward yourself! Spend some extra weekend time in the garden or on a family outing. Give yourself positive reinforcement for keeping to your schedule and you’ll stay motivated. Plus, the break away from studies will help you stay refreshed for the new week.

So go ahead, whether it’s your first test in the course toward your AA in business administration or your thesis in an industrial engineering doctoral program, print out your graded course work and hang it on the refrigerator to celebrate. Share your grade with family and friends, and keep involving them in your education.