Category: Lifestyle

If you have a low or bad credit score, you may be wondering what your chances of approval are. Or if you already have been declined car finance, you may think you are out of options. However, getting a car with bad credit doesn’t have to be impossible. There are a few ways in which you can prepare your application before you even start looking at different lenders and understanding how a low credit score affects car finance can be the key to getting approval. The post below looks to explore how you can increase your chances of getting the car finance approval you need, even when you have bad credit.

Why does bad credit affect your chances of approval?

Car finance is a process where you borrow money from a lender or secure the finance against a vehicle of your choice. The lender gives you the money or buys the car from a dealer, depending on which form of finance you choose. You then make monthly payments with an agreed interest rate till the end of the finance term. When you’ve got bad credit, it usually indicates that you have missed payments in the past. From a lender’s point of view, this increases the level of risk as you are more likely to default on any future loans or finance too. However, with some careful planning and investment in your credit score, you could get the car finance approval you need.

Will I get a good car finance deal if I have bad credit?

It’s a common car finance myth that having bad credit means you can’t get approved but with a sky-high interest rate. Whilst some companies may do this to help secure the loan, their more options for drivers nowadays. The best car finance rates are reserved for those with good and excellent credit scores and improving your score can help save you money. However, there are more specialist bad credit lenders joining the finance market and they solely focus on selecting the best car finance package for drivers with low credit.

Ways to improve your chances of getting a car on finance with a low credit score:

Whilst it can be possible to get approved for car finance with bad credit, there are a few factors you could consider to help increase the likelihood of getting a car with bad credit before you even start making applications with lenders.

Check your credit report

You’d be amazed at how many people have never checked their credit scores or don’t even know what’s listed on their credit reports. You can check your credit report for free and view all the information it holds. Your credit report helps to calculate your credit score and having information that is incorrect or not up to date can be dragging your score down. Car finance lenders use the information from your car finance application and cross-reference it with your credit report and if it doesn’t match up, they may be worried it is a fraudulent application or not be able to find your credit report. Before you apply for finance you should check all your personal information such as your name and current living address is accurate and up to date. If you need to make any changes, you can contact the credit referencing agency that provided your application.

Work on your credit score

Having a better credit score can help you get easier finance approvals, gives you more negotiation power, and also gets you a better interest rate. It can be worth taking some time before you apply for finance to improve your credit score. You can do this by meeting any current financial commitments you have on time and in full, reducing existing debt, keeping credit applications to a minimum, and keeping your credit usage low.

Save up for a deposit to put down

Car finance agreements such as hire purchases benefit from drivers putting down more at the start of their agreement. Your finance deal is calculated by the amount you want to borrow and split into an equal monthly payment with added interest till the end of your chosen term. By putting more in for car finance, you are lowering the loan amount and helping to make your deal more affordable. It can be possible to get a car on finance with no up-front payment but it can be desirably to lenders if you have a low credit score but a deposit contribution as it shows better financial stability and means they don’t have to lend you as much. 

Your wedding day is one of the most important days of your life. You’ve probably been dreaming about your wedding day since you were a little girl. Now that the day is finally here, you want everything to be perfect. One of the most important aspects of your wedding day is the flowers. The flowers will set the tone for the entire day. They will be in all of your photos. You want to make sure you choose a florist that you can trust to make your vision a reality. We’ve partnered with James Cress Florist, an award-winning wedding florist, in Long Island, NY to give you their pro tips on how to choose the best wedding florist possible.

Here are a few tips on how to choose a wedding florist:

1. Do your research

The first step is to do your research. Start by looking at the websites of different florists in your area. Look at their portfolios and read their reviews. Once you’ve narrowed it down to a few florists, you can start reaching out to them and setting up consultations.

2. Know your budget

Before you start meeting with different florists, it’s important to know how much you’re willing to spend on flowers. Wedding flowers can be expensive, so it’s important to have a budget in mind before you start meeting with different vendors. This will help you narrow down your options and find a florist that fits within your budget.

3. Have an idea of what you want

It’s helpful to have an idea of what you want before you meet with different florists. Look through magazines and websites for inspiration and make a note of any specific flowers or arrangements that catch your eye. This will give the florist an idea of your style and help them create arrangements that you’ll love.

4. Ask questions

During your consultation, be sure to ask lots of questions! This is your chance to get to know the florist and make sure they’re the right fit for you. Find out how they work, what their process is, and what their policies are regarding things like delivery and set-up. You should also ask about their experience working with weddings and if they have any recommendations for other vendors in the area.

5. Trust your gut

After meeting with different florists, trust your gut and choose the one that feels right for you. If you connect with them and feel like they understand your vision, they’re probably the right choice! 

Choosing a wedding florist may seem like a daunting task, but it doesn’t have to be! By following these tips, you’ll be able to find the perfect florist for your big day. And when it comes time to walk down the aisle, you’ll know that your flowers are in good hands! James Cress Florist of Long Island is a multi-year award-winning florist specializing in wedding flowers. If you are interested in contacting them with any questions go to jamescressflorist.com.

 

Back in the 13th century, the first wearable eyeglasses were invented in Italy, but choosing one wasn’t confusing since all frames were the same; made of wood or leather and all in brown color. Things have changed dramatically in the 21st century. Nowadays, choosing suitable frames is tiring and might take hours, especially if you’re buying them online and can’t try them in reality before placing an order.

Choosing the most flattering, comfortable, and practical pair of glasses requires considering several factors like the kind of personality you have, the job activities you need to perform regularly, your skin and hair color, the lifestyle you live, and the sports you play.

Why pick your glasses frames randomly when you can add a fashion statement to your face with frames that accentuate your best facial features? In this article, we’ll provide a comprehensive guide for selecting the right frames that fit your face perfectly.

Determine which colors match your skin tone 

Like face shape, skin tone plays a key role in determining which frames will look best on you, and it affects choosing frames more than hair and eye colors combined. 

If you have a warm skin tone, which is mostly characterized by yellow, bronze, or golden cast, make sure not to use colors that contrast with each other, such as pastels. Similarly, white and black frames are unflattering. Instead, you would be better off with light tortoiseshell, brown shades, gold or honey, beige, and olive-green frames. 

Having a cool skin tone means having a pink or blue undertone to your skin color. Choose silver, black, dark tortoise, pink, purple, blue, mauve, and gray frames rather than colors that wash you out.

Consider your lifestyle

You may require more than one pair of eyeglasses to match your daily routine; the glasses you wear to the office might not be a good fit for the gym, and the latter is not the best option when going out on a date with your loved one.

People frequently use several frames according to what they’re doing and wearing. There’s no need to replace your entire outfit while changing the frame could transform your appearance for a little cost.

It is possible to create the desired image with the aid of frames. You may begin your search for the perfect eyewear style by considering the various aspects of your life. Consider what eyewear experts recommend regarding styles, colors, materials, and sizes based on your lifestyle to narrow your choices.

Know the basic face shapes 

Depending on your face shape, you might favor specific frames over others. To start with, pull your hair back, and pay close attention to your overall facial contours, cheekbones, forehead, and jawlines; it all contributes to your facial features and can affect your decision in choosing the perfect stylish eyeglasses. Following are the basic face shapes:

Round faces

A round face is usually characterized by having a wide hairline and fullness below the cheekbones. Typically, square and rectangular frames are your best option if you have a round face, and their sharp angles create a balance making your face appear slimmer and longer. Avoid rimless, round and small frames as they accentuate the roundness of the face, resulting in an even rounder appearance. 

Heart-shaped faces

A narrow chin and a wide forehead are the two main features of people with a heart-shaped face; the ideal frames would equalize the forehead’s width with the chin’s narrowness. Go for glasses with low-set temples and heavy frame lines at the bottom to broaden that narrower part of your face. Moreover, a broad, high forehead can be alleviated by wearing a round or square pair of stylish frames with curved edges. It’s worth saying that you should never choose frames embellished on top or glasses with decorative temples not to draw attention to your forehead.

 Square faces

A wide hairline and jawline characterize a square face. If you have a square face, choose frames that soften the angularity and are placed high on the nasal bridge. An oval or round frame will perfectly fit a square face giving it a thinner appearance. It is best to avoid frames that have angular or boxy shapes because they will emphasize and enhance the angular facial features, making a square face appear bulky and too sharp.

Oblong and oval faces

An oval face has a wider jaw than cheekbones but is longer than a round face. Oval-shaped faces are best suited to frames with a sturdy bridge wider than the widest part of the face. Being naturally balanced and symmetrical, people with oval faces should avoid overly large frames. Remember that opposites attract when selecting the right frames; therefore, consider frames that naturally contrast your facial contours and highlight your prominent features. 

Determine if your face is angular or soft

When choosing a frame, it is recommended to consider how your soft or angular facial features affect your appearance. It is noteworthy that each eyeglass frame is designed for a purpose relevant to specific face shapes. Therefore, randomly picking the frames might negatively affect your overall look. Carefully selecting a frame that fits your face enables you to stand out positively and confidently.

Determining if your face shape is angular or soft is not that hard, and the following two guidelines will help you find out:

• A person with an angular face generally has a sharp nose, high cheekbones, a broad forehead, and a sharp jawline. Angular shapes include rectangles, squares, hearts, and some ovals.
• A person with a soft face is one with a rounded jawline and without a prominent chin. Most ovals, rounds, and oblongs are classified as soft shapes.

Final Thoughts 

Choosing new frames is the perfect time to consider your face shape if you have never done so before. Finding the right frames for your face, style, and budget may be difficult in certain situations. When faced with the difficult task of sorting through hundreds of frames to find the perfect option, it is tempting to pick the first pair that is barely acceptable.

It would help if you were well-prepared for whatever the future may hold as you enter your next life phase. You should expect a more challenging academic and extracurricular environment at college than in your high school years. Most students, however, look forward to college since it gives them their first taste of adulthood away from the nest.

If you are attending a college or institution far from your home, it is in your best interest to relocate there. Moving out of the house, however, is not without its downsides. Make sure you have everything you need before leaving, as you won’t be able to turn around and return if you forget something.

In addition, here are some suggestions for first-time, off-campus residents:

Get Ready to Share a Space

As much as you may miss your private space, you should get used to sharing a room with a stranger when you move into on-campus accommodation. While it seems like roommates in movies always wind up being the greatest of friends, you should be prepared for the possibility that this isn’t the case in real life.

One of the best pieces of guidance is to master the art of negotiation and compromise.

Even if you find it bothersome that they eat in bed, you may have to make an exception since it is their bed, and it isn’t affecting you. However, there is one aspect of their personality that they wish you would change. No roommate is flawless, just as you aren’t ideal. Learn to talk things out and reach a middle ground.

Figure Out if You Want a House or an Apartment

You need to know what kind of housing you’re moving into so that you can start making preparations for it. You could either choose to live on campus in university-owned or -operated housing, or you might look into off-campus apartment living. You may find a wide range of price differences between countries. On-campus housing may be more cost-effective in some nations, while apartment living may be more cost-effective in others

It would help if you considered the cost of living in each potential new neighborhood before making a final decision. Rent, utilities, food, and other necessities must be paid for while attending college, which can seriously strain you or your parents. With that, seeking a cheaper home choice would be helpful for everyone’s budget.

Make a Checklist

Making a list of everything you want to take to college is a great way to ensure you don’t leave anything important at home. To ensure you don’t forget anything crucial on your way over, you may use this information to fine-tune your assessment of what you need to purchase.

The most important thing to remember when preparing this list is to include the necessities. You should pack a new set of clothes, a toothbrush, toothpaste, toiletries, a towel, bedding, slippers, and everything else you usually use.

More importantly, keep them as minimal as possible while making additions to the list. Moving your bedroom furniture will add more time and effort to your busy schedule. You may wish to leave your preferred lampshade at home to save clutter. More importantly, hire a moving company that offers excellent services, such as auto transport, in case you need your car shipped to your new home state.

Obtain Packing Materials

Buying moving boxes and labeling them with the contents will significantly assist in maintaining order during the relocation.

With sturdy moving boxes, your belongings can stay intact during the transition from one location to another. Putting things in a box also frees up floor space because you may stack them high without worrying about being buried under your possessions.

Keeping items together in one box and labeling it will help you stay more organized during the moving process. Labeling them “bathroom,” “bedroom,” “kitchen,” “clothing,” etc. allows you to organize them easily. You’ll know exactly what package you’re opening and can start preparing the right part of the room accordingly. Opening a large number of packages and coming up empty-handed will be difficult.

Indulge in Some Relatively Quality Time With the Family

Your loved ones will undoubtedly encourage and back you while you pursue further education. Even though you long for your freedom, you know you’ll miss your family’s mayhem when you move out. Moving away to college means you no longer have access to your favorite morning rituals, such as waking up to the fragrance of freshly prepared coffee or having the TV tuned to the local station.

To make the most of your remaining time at home, you and your loved ones should take a relaxing vacation together. When you go away to college, the only times you’ll likely be able to visit home are during the holidays and spring break. That’s why spending as much time as possible with your loved ones is so important.

Conclusion

Leaving the comforts of home behind as you embark on a new chapter is a significant life event that can affect the entire family. But before you leave, double-check that you’ve got everything you’ll need to settle into your new digs at college.

Don’t take yourself too seriously; instead, focus on having a good time and making the most of your college experience. A more substantial reality of your existence, the business world, will make you realize how much you missed it.

 

It doesn’t matter how old you are, where you live, and what you do – if you’re lonely and have nobody to spend time with, you need to do something about it. Improving your social life might sound like the easiest thing in the world, but this is a process that can take a lot of time, energy, and patience. This is particularly true if you haven’t been the most sociable person your entire life and making a huge change at once could seem impossible at first. But, if you know what to do, who to turn to, and how to act, you won’t have a problem doing something amazing for your social life and your future. In case you still need some help doing that, though, here are a few suggestions you might take into consideration and start exploring right now!

Use social media

Living in the 21st century means being ready to make the most of all those opportunities that are available to us, but also making sure that you’re using these opportunities in the best way possible. This is particularly true when it comes to social networks and all those contacts you have in your online world – if you manage to make your online presence in the best way possible, you might also be able to meet someone new before very long. Since some of these people have been present in your real life for ages, you should think about taking your relationships with them to the next level. If you’re not a fan of trying your luck this way, you can always get in touch with someone who’s not that close to you and see if there’s any chemistry between you. This might not sound like the safest and most sensible idea in the world, but there’s nothing safe or sensible when it comes to true love anyway, so just be brave and don’t give up that easily!

Use dating apps

If you don’t manage to find someone cool and lovable on your social networks, you can think about taking these ideas a bit further and use dating apps instead. These have been around for ages and they’re supposed to help you find the love of your life, but you need to remember that not all dating apps are the same and different apps have been developed for different people. Some of them are supposed to help you find your match, others will give you temporary satisfaction, or you can even use a helpful sugar dating app that’s going to connect you to a specific partner and give you more than you’ve imagined! So, all you need to do is to figure out what you want and need, and then just find an app that’s going to give you just the thing you’re looking for.

Get out there

One of the most effective and practical ways to boost your social life is to become more sociable and outgoing. This means that you need to start going out more often, meeting new people, and tearing down barriers that might be stopping you from realizing your full potential. Doing this might not be the easiest thing you’ll ever do, especially if you’re one of those shy people who don’t love going out that much, but you won’t be able to do anything about your social life if you don’t risk and take chances. Once you start getting out there more often and getting back into the dating game, you’ll see that you have nothing to worry about, and you’ll start doing wonders for your social life in no time at all!

Talk to your coworkers

If you’re lucky enough to work in an office with tons of other people, you shouldn’t have a problem boosting your social life and doing something amazing for your future. These people are already around you, and the only thing you need to do is to start actually talking to them a bit more. You may not become best friends at once and you won’t probably be able to get along with every single person out there, but you’ll at least get along with a few of your coworkers – and that’s quite enough for now. Establishing these relationships will open you up to other contacts and you could even meet someone new through your coworkers, and your social life will never be the same again!

Get in touch with your childhood friends

Whether you have kids or not, you’re surely aware of the fact that forming friendships is easier and simpler when you’re a child. You don’t think too much about unimportant things and you just start spending time with someone if they suit you, and that’s why we all have some childhood friends we used to love back in the day. And if you stopped communicating with them, just call them, text them, send them an email, and get in touch with them once again because this is important for introvert types. Your friendship won’t be the same as before, but that doesn’t mean you shouldn’t go through this process – you may be surprised how much fun you’ll have with your childhood friends today!

Improving your social life won’t be as easy or simple as most people think, but it’s not impossible either. Just take a look at these suggestions, figure out which ones might work for you the most, and then start turning them into reality as soon as you can!

There is no question that choosing the right wedding band is a very important decision for any man. After all, this piece of jewelry will be worn every day for the rest of your life. With that said, it’s important to choose a style that not only looks great but also feels comfortable and suits your lifestyle.

Nowadays, there are endless options when it comes to wedding bands for men. From simple metal bands to intricate designs with diamonds and other precious stones, the sky is the limit when it comes to choosing a ring that represents your unique style.

In this article, we’ll be showcasing some of the hottest trends in wedding bands for men. 

Whether you’re looking for something classic and timeless or something more modern and trendy, we’ve got you covered.

Classic Wedding Bands:

One of the most popular trends in wedding bands for men is the classic metal band. This style is simple, and elegant and can be easily customized to suit your specific taste. Gold and platinum are the most popular metals for this type of ring, but silver and other metals are also becoming increasingly popular.

If you’re looking for something a little more unique, you can also have your band engraved with a special message or date. This is a great way to add a personal touch to your ring and make it even more special.

Diamond Accent Wedding Bands:

Another popular trend in men’s wedding bands is the diamond accent ring. This style features a band of metal with small diamonds pave-set into the surface. This is a great option if you’re looking for a ring that sparkles and stands out, but don’t want to go overboard with a full diamond ring.

Diamond accent rings are available in a variety of metals, including gold, platinum, silver, and more. You can also choose from a variety of diamond sizes and shapes to create a truly unique ring.

Eternity Bands:

If you’re looking for something even more special, an eternity band is a way to go. This style features a band of metal with diamonds or other precious stones set all the way around the ring. Eternity bands are incredibly popular as wedding bands, but can also be worn as stacking rings or anniversary bands.

Eternity bands are available in a variety of metals and stone settings. You can choose from all diamonds, a mix of diamonds and colored stones, or even all colored stones. Eternity bands make a truly unique and beautiful statement.

There is no shortage of style when it comes to men’s wedding bands. Whether you’re looking for something classic, vintage-inspired, or totally unique, there’s a band out there that’s perfect for you. 

Here, we’ve rounded up some of the hottest trends in men’s wedding bands to help you narrow down your search.

Classic:

Classic men’s wedding bands are simple, elegant, and timeless. They are typically made from gold or platinum and feature a plain metal band. Some classic bands may have a small diamond accent, but they are generally muchly understated. If you’re looking for a traditional band that will never go out of style, a classic band is a way to go.

Vintage:

Vintage-inspired men’s wedding bands are perfect for couples who love antiques or want a unique twist on the classic band. These bands often feature intricate details and retro designs. They may be made from gold, platinum, or even silver, and they can be adorned with diamonds or other gemstones. If you’re looking for something that is truly one-of-a-kind, a vintage-inspired band is a way to go.

Unique:

Men’s wedding bands come in all shapes and sizes, so there’s sure to be a style that suits your personality. If you’re looking for something totally unique, consider a band made from alternative materials like wood, titanium, or tungsten. You could also opt for a band with an interesting texture or pattern. Whether you want something eye-catching or totally out-of-the-box, there’s a unique band out there that’s perfect for you.

Conclusion:

There you have it! These are just a few of the hottest trends in wedding bands for men. No matter what your style is, there’s sure to be a ring out there that’s perfect for you. So start shopping around and find the perfect symbol of your love.