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    Living Savvy

    4 Reasons You Might Have Bad Credit

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    Your credit score is something that can affect nearly every aspect of your life. Do you want a phone contract? Sorry, your credit isn’t good enough. Oh, you’re planning on buying a home? Not with that credit, you’re not. Wait, you’re telling us that you need a car to get to work? Well, the bus might be better for someone in your financial situation.  

    Bad credit can, in some ways, ruin your life, and if you have bad credit, you might wonder why or even how it happened. To give you an idea of what could have gone wrong along the way, here are four reasons you might have bad credit. 

    Late Payments

    Your payment history will make up around 35% of your credit score, so any late payments will significantly impact how lenders perceive you. The more you have put-off making payments, the worse your credit score will be, and it can take a long time for you to reserve the impact. However, you can consider solutions, such as researching the Debt to Success System on scam of the banks, which can offer some unique and useful perspective, and even provide some respite from the neverending clutches of debt brought on by interest rates. 

    Charge-Offs 

    A charge-off will occur when a lender has given up trying to receive the money you owe. The problem here is that, while plenty of people consider The Man to be off their back finally, it instead leaves a mark on your credit history, which will severely affect your chances of being lent to ever again. You won’t be able to make purchases with this charged-off account, and this report could remain on your credit score for up to seven years, meaning you will need to work extra hard to improve your score along the way. 

    Bankruptcy 

    If you’ve ever filed for bankruptcy, you know it isn’t a pleasant experience, and it is the most damaging aspect that can affect your credit score. Anyone who has a history of bankruptcy will find it nearly impossible to obtain loans ever again, putting you in a challenging position. 

    Lack of History 

    Sometimes, it isn’t all doom and gloom. While bad credit can come from years of bad money decisions or terrible luck, or even malicious family members taking out loans in your name, it also comes from having a non-existent credit history. Most of the time, this happens to teenagers who are fresh out of school and have never owned a credit account. Luckily, there are plenty of credit builder services that can help you generate your credit score so you can appear more trustworthy in the eyes of lenders if you want to apply for a credit card. 

    Get It Fixed

    It can feel like bad credit is the end, and it is something you will never escape from. However, this is not the case, and while it might feel like the banks and other financial institutions are against you, there are ways to get out of the swamp that bad credit brings. You need to recognize why you have such bad credit in the first place.

    faith

    4 Beautiful Bible Passages To Comfort You

    The world can be an unsettling and scary place sometimes and can regularly sprout challenges that need to be overcome and situations where you need to persevere. Issues such as resisting hatred, loneliness, and dealing with death can be overwhelming on occasions.

    When times get hard, many people turn to God for guidance and support, and the majority of these people find this support in the words and teachings of The Holy Bible. The Bible is a treasure trove of amazing passages and verses that many Christians and Catholics live by and turn to when looking for clarity, optimism, and empowerment. Of course, with any piece of literature or scriptures, the words can have different meanings for different people. The beauty of the Bible is that it’s open to interpretation to allow us to better relate to it. With that being said, here are four of a whole host of beautifully written passages to help comfort you when life gets difficult.

    John 1:9
    “If we confess our sins, he is faithful and just and will forgive us our sins and purify us from all unrighteousness.”

    For many, this quote is all about second chances, and how even if you have lived a chaotic and hard life, there is still always opportunity to change and better yourself. It’s a freeing passage, suggesting that your past doesn’t have to define you and weigh you down, that you can be reborn in God’s eyes, and that it’s your future desire that represents you as a person.

    John 16:22
    “So with you: Now is your time of grief, but I will see you again and you will rejoice, and no one will take away your joy.”

    This passage is all about the importance of mourning and grief, and how these feelings are justified when we lose someone close to us. It also highlights how we need designated time to grief and process our emotions, which is what a funeral with Exit Here will allow.

    Additionally, it’s also an optimistic quote, and reinforces the idea that joy will return and that these feelings of pain and sorrow are only temporary.

    Romans 12:15
    “Rejoice with those who rejoice; mourn with those who mourn.”

    This passage becomes far more complex on multiple readings. At first, it seems to be concerned with empathy, and how we should endeavor to appreciate how others are feeling in order to connect with them more. However, it can also be used to instil a feeling of community, as it suggests that people don’t have to be alone when sad or suffering, that we don’t have to suffer pain and grief in isolation, and that joy and happiness are also better when shared.

    Joshua 1:9
    “Have I not commanded you? Be strong and courageous. Do not be
    afraid; do not be discouraged, for the Lord your God will be with you wherever you go.”

    This passage explores the importance of putting on a brave face, and almost galvanizes the reader to fix themselves up and pull themselves out of a slump. It talks of fear and anxiousness being almost obsolete feelings, due to how we will always have guidance and support with us, empowering readers to go through their days with the knowledge that
    they’re never truly alone, which provides a great sense of comfort.

    Use these four inspirational passages to help you when life throws challenges that you need to overcome.

    Uncategorized

    Putting It All Together: How Expensive Is It to Live in Singapore?


    Since gaining its independence 60-plus years ago, the island nation of Singapore has developed to an extent few would originally have thought possible. No other country has enjoyed such impressive economic growth for such a long time, and Singapore is still going strong.

    That makes Singapore a natural destination for talented people from all over the world. Foreign professionals of many kinds put down roots there every year, sometimes despite knowing relatively little about the country.

    Since economic opportunity is such a popular reason to move to Singapore, questions about the local cost of living are common. After all, earning a large salary will be less rewarding if too much needs to be spent on the essentials that allow for a comfortable everyday style of life.

    Housing Prices Range Widely

    Singapore has one of the world’s most generous and extensive public housing systems. While some see this as an example of public-sector paternalism, many experts and residents praise the options it opens up.

    Renting from Singapore’s housing authority is a common option, as is purchasing an apartment from the same source. Obtaining a home loan in Singapore from a local lender is as easy as it would be in most similarly well-developed countries.

    Putting a price on housing in Singapore is a bit more difficult than might be expected. Housing units range from very modest dwellings aimed at low-wage foreign workers to palatial, freestanding mansions.

    Government-owned apartments cost, on average, about a third as much as what private property owners charge for similar housing. People who have lived in large cities elsewhere in the world will not normally be shocked by housing prices in Singapore but can expect to devote significant portions of their salaries to shelter.

    Education, Utilities, Food, and Other Essentials Can be Fairly Pricey

    Singapore’s government invests heavily in public education, and citizen parents pay only small monthly fees for children’s schooling. Expatriates face far larger charges if they want to have their own kids take advantage of the nation’s high-quality public schools.

    As with housing, utility rates in public housing projects tend to be quite a bit lower than those applied to private dwellings. People who live in government-owned HDB housing units pay less for their subsidized electricity, for instance, than is usual in many highly developed countries. On the other hand, utility rates paid by others can be a good bit higher than is usual in most other places.

    The food hawker centers of Singapore are legendary among gourmands worldwide. Eating out is so popular partly because it is generally quite affordable. Budget-conscious expatriates, of course, can still save money by cooking most of their meals at home. While dining out often proves less expensive than in other nations, ingredient prices can be a bit higher than many are used to.

    Any Additional Expense Will Often be Easy to Justify

    Singapore has been frequently deemed one of the most expensive countries of all to live in. Part of that reflects the fact that the country’s extremely high population density rules out the kinds of affordable rural living that bring the average down for many other nations.

    Still, most who move to Singapore from places like Europe or the Americas find it at least a bit pricey. Since many relocate to secure higher salaries, it can still be easy enough to justify the leap on purely financial grounds. Singapore’s government provides plenty of support to would- be immigrants, such as by maintaining online cost-of-living calculators that can be used to help with decision-making.

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    Personal injury claims that are surprisingly common


    We all know accidents happen. Barely a month goes by without someone you know or a friend of a friend being involved in one. It is not that the world is a crazy dangerous place. More often than not, people get hurt because someone makes a simple mistake.

    There are many situations that can lead to you suffer from a personal injury – if you have been affected, see this personal injury lawyer. Some of which are sure to surprise you. Being aware of the circumstances that can lead to your getting hurt gives you a chance to avoid those situations.

    Vehicle accidents
    Unsurprisingly, top of the list is road traffic accidents and it is a global issue. According to the World Health Organization, every year, 1.35 million people lose their lives because they are involved in a road accident.

    Sadly, it is not enough to simply drive carefully, although it helps. You only have to be in the wrong place at the wrong time to be involved in a serious car accident. But taking safety precautions like always wearing a seatbelt, driving a car with airbags and a good safety rating will help. You may still be involved in an accident, but if you take these precautions your chances of being hurt will be greatly reduced.

    Slips and falls
    Again, according to the World Health Organization, this is the second most common cause of serious injuries and deaths. Every year around 37 million people get hurt badly enough to have to seek medical help.

    These accidents can happen anywhere. So, wherever you are, pay attention to where you are walking. Avoid slippery surfaces and be aware of uneven pavements. When there are kids around be conscious of the fact that they are likely to leave some of their toys lying around on the floor.

    In your home, keep your flooring in a good state of repair. Make sure that any rugs you have are the non-slip kind. In the USA they carried out a study that revealed that every year around 37,000 elderly adults have accidents that involve rugs or carpeting. So, don’t underestimate the risk.

    Work-related injuries
    A surprisingly high percentage of injuries still occur in the workplace. It appears that despite increasingly strict health and safety regulations, employers are still not able to keep their workers completely safe. Being aware of this fact is the best way to guard against workplace accidents. It will help to keep you alert and encourage you to report your concerns to your boss promptly.

    Given the fact that it is surprisingly easy to get hurt, it makes sense to put a little cash aside each week to use in case of an emergency. That way, if you are injured and need to be off work for a while you will have some funds to fall back on. This will tide you over until you can claim compensation or disability benefits.

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    Essential Items for a Weekend Away on a Motorbike


    If you’re taking the motorbike out for a weekend’s vacation, there are some essential items that you shouldn’t forget. Even seasoned riders sometimes forget an essential to two and end up kicking themselves for the whole trip. To avoid disappointment, make a list the day before you set out and lay out what you can by the door or in the garage so that you have the chance to double-check your preparations and catch anything that might have slipped your mind.

    Motorbike Vacations
    All across the US, motorbike vacations are incredibly popular. In 2018, it was estimated that as many as 24% of American motorbike riders were retired, meaning they have plenty of time to take long weekend trips to explore towns, take in the countryside and visit new restaurants on the back of their bike. The one essential every motorbike veteran should be
    sure to have is a set of top-quality leathers.

    ● Top-quality leathers
    Leathers should look brilliant, but riders must remember that their main purpose is to keep riders safe. Protective leathers have inner linings comprising Kevlar fiber that are resistant to abrasion. They should be comfortable at all times, but it is most important that they fit well when in the riding position, as you may be endangering yourself if you are constantly adjusting your leathers during a trip.

    ● A comfortable motorbike
    To match the leathers, a comfortable and stunning looking motorbike is a must-have. Check out a Suzuki motorbike and snap up an aesthetically pleasing and reliable model for your trip. If you are only going away for one night, any size motorbike will do. Simply pack your small overnight bag into the storage compartment and whisk yourself away for a brief
    adventure.

    ● Cooking utensils
    One method of keeping motorbike holidays inexpensive is to do your own cooking along the way. Prepare some camping-style recipes and pack a portable gas stove so that you can make amazing meals anywhere you choose to lay down your helmet.

    ● A map or GPS system
    It might sound obvious, but having something to help your track your position and progress is immensely useful when riding roads you are not familiar with. Taking along a map is more old-school, as you will have to dismount and check it regularly, but they are more reliable than GPS systems or smartphones, which could run out of power.

    ● Toiletries
    Depending on the type of accommodation you intend to stay in, your toiletry needs may differ. The absolute essentials, however, are toothbrush and toothpaste, something to wash your face with, antiperspirant, some shower gel and a towel.

    ● Bluetooth speaker and headphones
    Some motorcycle helmets have Bluetooth speakers built in, allowing you to listen to music the same way car drivers do, or to call other riders in your group. It is also worth taking a Bluetooth speaker with a longlived battery so that you can listen to the radio or pump out some music on an evening as you and your riding partner settle down for a meal and few drinks around the campfire.