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9 ways to get a personal loan with bad credit
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9 ways to get a personal loan with bad credit

The term “bad credit score” can be quantified in many ways. For example, as per FICO ratings, a score of below 670 is considered poor. Likewise, VantageScore has its threshold at 661. A bad credit score greatly reduces an individual’s chances of getting loans from banks and other financial institutions. Nevertheless, there are certain borrowing avenues and ways to get personal loans with bad credit scores. Some of those useful options include: Make soft-credit inquiries This avenue is known as seeking prequalified loans from banks. Several lenders allow customers to submit prequalification online to let them see their estimated loan offers without affecting their credit scores. Soft-credit inquiries are effective for receiving a pre-approved loan from banks and other financial institutions that lend money to individuals. This process involves discussions with several potential lenders to assess one’s loan options. One must avoid making hard credit inquiries (loan inquiries in which lenders request to review the loan seeker’s credit report, as opposed to soft-credit inquiries that only involve talks), as that can further lower one’s credit score. Keeping personal identification handy Before agreeing to sanction loans for individuals, banks need them to reproduce their personal documents, including their social security number ID, driver’s license, W-2 forms from the previous two years, two most recent bank statements from all accounts, recent utility bills, mortgage statements, pay stubs, federal tax returns of the last two years, and other documents that verify one’s residential address, personal loan information, and overall contact details.
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18 essential factors to consider before investing in precious metals
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18 essential factors to consider before investing in precious metals

Investing in precious metals has held appeal for individuals seeking to diversify portfolios. Precious metals such as gold, silver, platinum, and palladium have historically maintained intrinsic value, making them a sought-after asset class. However, before delving into the world of precious metal investments, it is crucial to understand the nuances and factors that can significantly impact investment decisions. This article delves into key aspects to grasp before embarking on precious metal investments. Types of precious metals The term “precious metals” encompasses a range of metals, with gold and silver being the most popular. Platinum and palladium also come under this category, albeit less commonly traded. Each metal possesses unique properties and applications, influencing market dynamics and value. Thus, one should research the different types of precious metals and possess sufficient knowledge before investing in them. Intrinsic value Precious metals are valued for their utility, beauty, and rarity. Unlike other assets, they possess intrinsic value not reliant on the performance of a specific company or government. This inherent worth provides a degree of stability to investments. Understanding the intrinsic value of different precious metals is essential to deciding what precious metals to invest in. Price volatility While precious metals are often considered safe-haven investments, their prices can still exhibit high volatility.
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Eczema – 3 methods to manage its symptoms
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Eczema – 3 methods to manage its symptoms

Eczema has many different stages and types. Unfortunately, about 10.1 percent of people in the country have some or the other form of this condition. Such a disease is a combination of conditions that make the skin irritated or inflamed. With proper treatment, one can manage symptoms. Red, dry, cracked, and leathery skin are the common eczema signs. Here are three useful methods that help deal with eczema and manage its symptoms: Getting the right treatment options Here are some treatments associated with eczema. Dupixent Dupixent is prescribed for children six or older and adults; for those who cannot control symptoms with other treatment measures, alternate treatments are not recommended. This monoclonal antibody works on a targeted area in the immune system. Dupixent comes in pre-filled single-dose pens and syringes, given as a subcutaneous injection. One can find this treatment option in two strengths: 300-mg/2-mL and 200 mg/1.14-mL solutions. Cibinqo This once-daily oral treatment helps manage symptoms for adults who have not seen relief with prevailing treatment options. Cibinqo is an FDA-approved treatment for adults with moderate to severe atopic dermatitis. Doses that can be taken are either 100 or 200 mg. Alternately, a 50 mg dosage is for patients with moderate renal impairment. Upadacitinib and Eucrisa Upadacitinib is a JAK1 inhibitor and helps adolescents and adults with severe or moderate eczema. However, this FDA-approved treatment can cause side effects like fever, cough, nausea, and upper respiratory tract infections. Typically, one starts with 15 mg, but the doctor may advise a 30 mg dose if that does not work. Eucrisa is also a treatment option for eczema. It is for skin-only treatment, so do not get it in contact with sensitive areas and rinse with water in case of contact. Foods to eat and avoid Eczema needs to be managed with a disciplined nutritional regime.
5 mistakes to avoid before bed for better sleep
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5 mistakes to avoid before bed for better sleep

Have you ever woken up feeling tired and lethargic despite sleeping for seven to eight hours at night? It could be due to poor sleep quality. Disturbed sleep influences the rest of your day: how you think, your performance at work, and other tasks. The causes of poor sleep are many, including a faulty mattress, distractions in your room, or a heavy dinner. Avoiding the following mistakes before bed can help you sleep better: Staring at a screen Using gadgets close to bedtime is probably the most common mistake in the digital age. The blue light emitted from screens affects the production of a specific hormone responsible for inducing sleep and regulating the circadian rhythm. Apart from the blue light emission, the television or mobile phone sound can be a distraction that keeps you awake. High noise levels create lots of mental stimulation and disturbance, preventing the brain from shutting down. Hence, it is advisable to avoid using phones, televisions, and laptops for at least an hour before bed. Exercising Exercise is among the best solutions for good health, but you must do it at the right time. Physical activity late in the evening or at night hampers sleep patterns by increasing stress and raising body temperature. The only exercise recommended before bedtime is light stretching and simple yoga. These help relieve muscle tension and relax the body and mind, preparing them to drift asleep. You can perform intense exercises in the morning or earlier in the evening. If you have some spare time before sleeping, use it for sitting down and reflecting on the happenings of the day instead of exercising. It will help you fall asleep faster. Making poor food choices A meal with lots of refined carbs and sugar is unsuitable for dinner as it can keep you awake at night.
Migraine – Ways to manage the condition
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Migraine – Ways to manage the condition

Migraine headaches are a devitalizing experience. It completely saps the person of energy and prevents them from being productive during these episodes. There is usually a build-up to a migraine attack which is different for every individual. The phase before the actual migraine attack is known as the aura, and people may report seeing flashes of light or experiencing a tingling sensation. Below are some options for treating migraine headaches: Treatment options Nurtec Nurtec is a treatment option that helps relieve some symptoms of migraines. It reduces the severity of headaches and sensitivity to light. Nurtec is usually taken on alternate days to prevent migraines and other pain associated with the condition. Ubrelvy Ubrelvy, a fast pain-relief, is a treatment option that blocks calcitonin gene-related peptide (CGRP) in the body. CGRP is associated with migraine attacks, and suppressing it goes a long way in treating the condition. Excedrin This pain reliever does not just treat migraine headaches but also pain in other parts of the body. Excedrin provides fast pain relief to the patient. Qulipta Qulipta is a treatment option that helps prevent migraines over a more extended period. However, medical professionals do not recommend this treatment option to people suffering from kidney or liver problems. Qulipta works by blocking the CGRP protein. Foods to help manage migraine headaches Certain foods are part of the preventive treatment for migraines. While a preventative treatment may not completely stop migraine headaches, it will help reduce the severity and occurrence of these attacks. Bananas Bananas are rich in magnesium. According to some studies, magnesium is deficient in migraine sufferers, and the mineral stops the chemicals that cause pain. Watermelons Watermelons contain around 92% water, and it is a great way to stay hydrated. Dehydration often triggers headaches in general, which could lead to migraine attacks.