5 common tricks scammers use

5 common tricks scammers use
Each day newsfeeds and channels carry reports about people getting scammed in some way or the other. The FTC received more than 2.8 million fraud reports in 2021, amounting to losses of more than $5.8 million. More often than not, those who think they won’t fall for scams are usually the victims. So if you want to protect yourself from scammers, here are five common tricks to recognize: Free trials This trick includes offers of free one-month trials of products or services, such as teeth whiteners and streaming platforms. All the scammers ask you to pay is a small amount when in reality, they hide the fine print that obligates users to pay a monthly fee. Further, canceling these subscriptions may also be an expensive process. So before signing up for such trials, ensure that you read the fine print and do not fall for testimonials on the site. A reputable company will usually let you cancel, get out of a contract, and negotiate a refund. Influencer giveaways Tons of influencers on video streaming platforms carefully curate content for their subscribers. Occasionally, they may even plan giveaways. But hundreds of scammers create similar profiles and add links to comments announcing free giveaways for the winners of a lucky draw.

Top 6 island vacations on a budget

Top 6 island vacations on a budget
Warm sunshine, blue waters, and a relaxing ambiance — island vacations have always been the perfect getaway. Sure, holidaying on an island can be expensive, but a little planning and research can help one find an excellent package without breaking the bank. Individuals can benefit from several offers from hotels, air carriers, and cruises. Here are the top six island vacations on a budget for those thinking about their next getaway! Caye Caulker, Belize This tiny island must feature on every vacation goer’s checklist. Not many know about Caye Caulker yet, which means it is less crowded. One can enjoy the solitude and likely find affordable accommodations here. The island is accessible from the mainland of Belize and falls right in the heart of the second-largest barrier reef in the world. So, people can explore the vast undersea life through snorkeling and marine tours. Punta Cana, Dominican Republic The resort town of Punta Cana has white sandy beaches surrounded by turquoise blue waters. One can stay at an all-inclusive resort here and enjoy the tropical weather. While the resorts may seem expensive, Punta Cana has several accommodation options for those on a budget. Want to have some fun during the island vacation?

6 mistakes to avoid when using debit cards

6 mistakes to avoid when using debit cards
As many parts of the world are steadily moving toward a cashless economy, debit cards are becoming highly popular and accepted modes of payment. These cards can be used for shopping at all major retail stores and withdrawing money instantly. Also, most debit cards offer lucrative benefits, such as rewards, cashback, and no annual fees. But to get the most out of debit cards, it is important to avoid certain mistakes. 1. Using too many debit cards As different banks offer different deals and benefits on debit cards, many tend to use multiple cards to benefit from a variety of offers. But such deals and offers come with additional fees, so, the more cards one has, the higher the aggregate fee one would have to pay. These extra charges can increase the expenses. So, it’s best to have a maximum of three cards to avoid spending too much money on fees. 2. Using debit cards for big purchases A debit card uses the funds deposited in the cardholder’s bank account. So, if one tries to pay an amount that exceeds the total balance in the account, the transaction may bounce. For this reason, it’s best to use a credit card for large transactions so that one can repay the amount flexibly until the deadline.

4 mistakes to avoid when applying for a VA loan

4 mistakes to avoid when applying for a VA loan
The Department of Veterans Affairs (VA) offers loans to active-duty military personnel, veterans, and their spouses. These VA loans can help veterans buy homes without a down payment. Additionally, VA loans come with low interest rates. While VA loans can be beneficial, one must understand exactly what to expect when applying for such loans. So, one should understand the terms and carefully avoid mistakes that can interfere with the loan approval process. 1. Ignoring the credit score The minimum credit score requirements for VA loans vary from one lender to another. Nonetheless, if one’s credit score is incredibly low, then their VA loan application may be denied. Even if one doesn’t get a rejection from the lender, they may be charged a higher mortgage rate, which would mean more expensive monthly loan installments. For this reason, one needs to always check their credit score before applying for a VA loan. In fact, if possible, one should try to boost the score to improve their chances of getting the loan approved. 2. Not exploring all options Many national banks and other lenders are authorized to offer VA loans. Each lender offers attractive rates and special features to lure as many borrowers as possible.

Things to know before buying a small pickup truck

Things to know before buying a small pickup truck
A small-sized pickup truck is your best bet If you plan to tow or carry light loads. With the plethora of pickup truck options available in the market, choosing the best small pickup truck can be confusing. Trucks from different automakers in various models offer different cab sizes, bed sizes, towing capacities, and features. Read on to find out the important factors to consider when shopping for the best small pickup truck. Cab size Choosing the right cab size according to your needs is very important as it directly affects the bed space available for cargo. A regular cab truck is the smallest and has 2 doors at the sides and a single row of seats with negligible space in between. Extended cab trucks are slightly bigger and have rear doors that are rear-hinged and can only be opened if its adjacent front door is open. Double cab trucks have 4 doors, but the rear seating doesn’t have enough legroom. If you’re looking to comfortably travel across the country with your family, go for a crew cab truck as it has 4 full-size forward-hinged doors and is spacious enough to stretch your legs. Bed size The bed is what makes a pickup truck stand out from other vehicles.

5 easy home improvement hacks to try today

5 easy home improvement hacks to try today
Home renovation can be a very expensive and time-consuming process. It may involve completely overhauling your home or reorganizing and updating certain sections (like individual rooms, walls, or cabinets). Some find the job so daunting that they keep postponing their plans. However, home improvement doesn’t always need to be a laborious affair. Here are five quick and easy hacks that will instantly elevate your house and give it a fresh feel. Update your cabinet hardware Don’t have the time or budget for full-scale home improvement? Just update the hardware (knobs and pulls) of your cabinets and drawers to change the appearance of your kitchen or any room instantly! But ensure to measure your existing knobs and choose new ones of similar dimensions, so you don’t have to drill new holes. This is a budget-friendly home improvement hack, as knobs and handles generally don’t cost too much. Get an area rug to refresh your living space An area rug can completely change the look and feel of your living space. Even if you have wall-to-wall carpeting in your home, placing an area rug over it can add a splash of color and give it a new appearance. It’s also a great way to cover up spills or mishaps on the old carpet and add dimension to the room.

Our
Blog.

Volvo XC90 – Features to note before the Black Friday sale

Volvo XC90 – Features to note before the Black Friday sale

The Volvo XC90 is a midsize hybrid SUV that combines everyday practicality with a touch of refinement. This model has a premium feel, thanks to its updated exterior styling and a thoughtfully upgraded cabin. Additionally, the car comes equipped with all-wheel drive across all variants, and its powertrain lineup includes turbocharged engines and a plug-in hybrid option. Those interested in the Volvo XC90 should consider its features to make an informed decision during the Black Friday sale. Pricing The starting price for the 2025 XC90 is set at over $58,000. Going up the trim level means buyers can expect to spend up to $83,000. The lineup has different starting prices for each trim level, with the T8 Ultra Bright Theme, T8 Plus Bright Theme, and T8 Core Bright Theme as the highest-cost models. At the lower end of the lineup’s price spectrum are B5 Core Bright Theme, B5 Plus Bright Theme, and B6 Core Bright Theme. Fuel economy The Volvo XC90 comes with all-wheel drive as standard, regardless of the powertrain. The entry-level models have a 2L 4-cylinder turbocharged engine producing 247 horsepower. The mid-level B6 variants deliver 295 horsepower. The higher T8 models are paired with a plug-in hybrid system, providing an electric range of up to 33 miles and a combined fuel economy of 58 mpg.
Read More
5 Black Friday Mistakes To Avoid This Holiday Season

5 Black Friday Mistakes To Avoid This Holiday Season

5 Black Friday Mistakes To Avoid This Holiday Season Black Friday is upon us once again. It’s the day we all try to save a little money, get the best deals, and spend our entire day in stores trying to find one last bargain before the end of November. But many people end up overspending. If a Black Friday bargain has ever ripped you off, these tips will hopefully prevent anyone from becoming a victim too! Spending more than you can afford The foremost thing to do when planning for Black Friday is to set a limit on what you can afford to spend. Anything beyond this should be considered an impulse buy and avoided at all costs. Once you’ve decided how much money you want to spend on Black Friday, it’s crucial to stick with that number and avoid impulse buying. It means avoiding debt and spending more than what’s in your bank account — even if it seems like there isn’t enough left over after paying bills or other expenses such as rent or utilities! Saving all your shopping for Black Friday If you have not allotted a lot of money, this holiday season can be overwhelming. When you’re feeling overwhelmed, it’s easy to do something that will make things even more complicated:
Read More