4 popular online resume builders
services

4 popular online resume builders

A resume can make or break a potential job opportunity. While the content of a resume is essential, the presentation is equally important. With resume-building apps and software, this task becomes easy. These have resume templates with various formatting options. Here are some paid as well as free resume builder apps and software to choose from: Resume Help This free resume builder app takes you through one section at a time when creating a resume. You only need to fill in the blank sections, pick a template, and Resume Help will do rest of the work. There are more than 20 templates to choose from; each with a unique design and style. There is also an option of pre-written content that speeds up the resume writing process. Resume Genius If looking for a paid resume builder, then Resume Genius is a good option. It claims to create a resume well under 15 minutes. There is a range of several template options to choose from. The website guides you through several questions and sections to create a resume. You can write out your own answers or select from several pre-written replies. These pre-written answers can be easily edited or customized as well.
Top 3 lenders offering the best VA IRRRL rates
finance

Top 3 lenders offering the best VA IRRRL rates

The US Department of Veteran Affairs (VA) offers a valuable option of an Interest Rate Reduction Refinance Loan (IRRRL) for veterans and related members. This enables individuals who already have VA loans to reduce their debts and avail a lower rate of interest. It shortens the loan term and helps transform an adjustable-rate mortgage (ARM) into a fixed-rate mortgage (FRM). The main advantage of an IRRRL is that borrowers do not need a new Certificate of Eligibility or a minimum income. Those who have VA loans are nearly qualified for refinancing. Read on to know top lenders offering the lowest VA IRRRL rates currently: Veterans United Home Loans This lender was honored for closing the highest number of VA loans right from 2016 to 2020. Their no-down-payment programs and the one designed for first-time homebuyers receive the most credit for being the best in terms of customer service. Presently, the company offers six 30-year VA programs, including a Streamline IRRRL, a VA Cash-Out, and Jumbo loans with low VA IRRRL rates ranging from 2.750% for a 30-Year Fixed and 2.990% for the 30-Year VA Cash-Out Jumbo program. The rates may vary depending on the borrower’s credit score and market conditions.
Top 5 VA loan lenders
finance

Top 5 VA loan lenders

A VA loan is a benefit provided to veterans, military personnel, and their spouses, wherein they can become homeowners. They are exempted from paying the down payment or any mortgage insurance. Private banks and mortgage companies provide these loans. A large number of options makes it challenging to select the right provider. Therefore, we have put together a list of the five best VA loan lenders of 2021. Here are some of the best VA loan lenders: Guaranteed Rate Guaranteed Rate operates in all 50 states with over 300 branches nationwide. One can apply online and even undergo paperless document verification and approval. However, the pre-approval process is slower when compared to other providers. The company has a minimum credit score requirement of 600. Guaranteed Rate offers a variety of solutions, such as jumbo mortgages, FHA, and VA loans. However, it does not provide equity loans. Flagstar Bank Flagstar Bank offers various home loan lending solutions to help buy, build, or refinance veterans’ homes. The company operates in all 50 states online and is available in 70+ branches across 29 states. It takes less than three days to pre-approve loans, and its closing time is approximately 30 days. Flagstar Bank offers low mortgage rates and has a lower-than-average credit score requirement.
5 reasons to choose mortgage refinancing
finance

5 reasons to choose mortgage refinancing

Refinancing involves replacing an existing loan by paying it off with a fresh one. Such an act usually costs somewhere between 3% and 6% of the loan’s principal amount, along with application fees, title search, and an appraisal. Since refinancing is a big decision to make, understanding whether this move could actually save you money is essential. So, the following reasons will help you know whether youn should consider mortgage refinancing. Lower interest rates Keep an eye out for lowering mortgage refinance interest rates in the market, and just when the rates drop, you can consider refinancing to pay significantly less in monthly payments. Today, the norm is that if mortgage refinance can give you even 1%-2% in lowered interest rates, it is a viable idea for a homeowner. Shortening the loan term As you refinance due to the change in mortgage refinance interest rates, you can even choose to reduce the loan term. Instead of paying a mortgage for 30 years, you can even half that time if the change in interest rate is significant. Keep your calculator handy and get a deal that will get you out of mortgage payments sooner. Adjustable-rate mortgage (ARM) In case of a forthcoming significant rise in interest rates, mortgage refinancing is a good move as you can choose to opt out of ARM and turn to a fixed-rate mortgage.
Digital transformations in financial services – Its significance
finance

Digital transformations in financial services – Its significance

Stiff competition urges every business to push themselves out of their comfort zones to make customers happy and ease complexities for employees and customers. Technological evolution is constant in every field, and digitalization has helped make things convenient for all. While we’re aware of the convenience and time-saving opportunities that are brought about by digitalization, this article discusses its perks in the financial services field. Saving time is the most significant factor in financial services after digitalization came about. No longer do people have to wait in long lines to withdraw or deposit cash. An ATM or banking apps come to the rescue. Moreover, transferring money online eliminates the procedures that would otherwise take days to reflect the result and saves a lot of paperwork. It definitely is more environment-friendly, reducing the consumption and wastage of paper. Another significant benefit of digital transformation in financial services is the convenience of the employees and customers. One transaction in the digital era takes no more than five minutes. In the pre-digital era, people would have to wait for days to get through an emergency transaction. Moreover, now there are a plethora of options. There were already so many benefits of digitalization in the banking sector, but the pandemic recognized another noteworthy feature.
4 effective tips for booking your next rental
auto

4 effective tips for booking your next rental

Renting a car may seem like a simple activity, something you can do online in a matter of minutes. But apart from renter’s insurance, the cost of the rental, and other fees chargeable, there are a number of points to consider so you can get the best deal, from location to size of the vehicle and budget tips; here are a few tips to get you started. Book in advance Book your travel arrangements well in advance, especially if you are planning a road trip. This way, you can switch vehicles in the cities planned along the route to save money and rent a different car each time. The location also matters as research suggests that car rentals in the suburbs are slightly cheaper than in a franchise that is smack dab in the center of the city. Also, avoid renting one straight out of the airport, as taxes and hidden charges will be levied on such rentals. Take the weather into account There is not much you can do when it pours or snows out of nowhere. But taking the weather into account can help you rent a suitable vehicle for those driving conditions. For example, four-wheel-drive cars work well in heavy snow conditions or places where traction is compromised.
5 trendy wristbands you can buy
shopping

5 trendy wristbands you can buy

Not every guy likes to wear a wristwatch. So probably the next best thing is a cool wristband or bracelet. The best thing about wristbands is that they come in numerous varieties, and every person can find something that matches their style. Wristbands made of silicone and rubber are all-time favorites, but there are also other materials and designs worth trying. So let’s take a look at trending wristbands for men. Black rubber cords Some guys like to keep it simple. If you’re that kind, then perhaps all you need is a simple black rubber wristband with minimal metallic accents. And the great thing about such wristbands is that they look classy on both casual and formal attire. Copper bracelets Copper bracelets are becoming a go-to choice among fashion-forward men. Most are handmade items and made of pure copper. They come in various sizes, designs, and finishes, and vary in price points, depending mainly on the complexity of the design. One advantage of smooth copper bracelets is that you can engrave them with your name or a special message. Layered wristbands Layered wristbands are quite popular currently. With these, you can put together a one-of-a-kind stack of wristbands that will make you shine out.
Dental veneers’ cost, procedure, and results
beauty

Dental veneers’ cost, procedure, and results

Dental veneers are thin shells placed in front of the teeth to improve their overall appearance. They are customizable and can hide or cover stains, chipped teeth, and even unevenness. This article shall cover the procedure to get dental veneers, the overall results obtained, and the typical costs involved. Procedure to get dental veneers The procedure to get dental veneers can vary depending on the type that you will choose. The most commonly used dental veneers are porcelain veneers and resin-based veneers. Porcelain veneers The first step to making porcelain veneers is taking an impression of the teeth. The mold is sent to a laboratory to create a custom porcelain veneer. In the meanwhile, doctors will give the patients a temporary veneer. Once the permanent ones return from the lab, doctors will have a fitting session to check if they are a good fit or no and make adjustments accordingly. Lastly, the porcelain veneers will be bonded to the teeth. Resin-based composite veneers The dentist will start the process by cleaning and reshaping the teeth. Once this is done, they will bond the resin-based composite onto the teeth and sculpt it accordingly. They will also adjust the color to make the fitting look as natural as possible.
4 common FAQs on flea pills for dogs
pets

4 common FAQs on flea pills for dogs

Flea pills for dogs are just as essential as their food, blankets, and leash. Just like humans have a frequent cold and flu, your furry friend is also prone to fleas. So, you need to have flea medications handy to treat the condition. You might be thinking about whether flea pills are the right treatment for your dog. To help you seek the correct answers, here are a few frequently asked questions and their answers on flea medication for dogs. What are flea pills? These are similar to insecticides, but flea pills work more like oral insecticides—these help control, prevent, and treat flea infestation in your dogs. Is a vet’s prescription needed? Yes. It is recommended to use these medications on your pet under a vet’s supervision and prescription. This is especially important for dogs with special needs and health conditions. For instance, dogs who are prone to seizures may react differently to certain types of flea pills. Moreover, senior dogs will require different flea medications compared to younger ones or even puppies. Although certain pills do not require a prescription, they can be quite risky. Some pet owners might not be aware of short-term and long-term side effects. Are there different types of flea pills for dogs?
Top 5 products for every beard type
shopping

Top 5 products for every beard type

Just like one’s skin and hair, the beard too needs care and maintenance. This can be achieved by using the right beard products. However, with the number of options out there, one may have a hard time figuring out what’s right for their beard. To make it easier, we’ve shortlisted five beard products that are suitable for all beard types. Redchurch Beard Moisturizer by Murdock London The beard too needs a bit of moisturizing. This is because several external factors can affect the beard, making it itchy, rough, and dry. Murdock London’s moisturizer contains special ingredients that help keep the beard fresh and fragrant. One can use it daily for best results. Honest Amish Beard Balm This balm works as a great conditioner. The only visible difference between an oil and a balm is that the latter allows a bit of styling and shaping. Honest Amish’s Beard Balm conditions and strengthens the beard while helping it grow more fully and thick. Another positive factor is that its texture is wax-free and smooth. Professor Fuzzworthy’s Beard Shampoo Bar This is one of the top-notch beard shampoos out there. It provides the beard an enough amount of oil and moisture to keep it from getting dry and itchy.

Top Articles

5 early warning signs of poor blood circulation
health

5 early warning signs of poor blood circulation

Blood circulation is a vital process that ensures the continuous flow of oxygen and nutrients throughout the body. It keeps all bodily organs functioning, ensuring optimum health. However, certain health conditions, including peripheral artery diseases and high blood pressure, can disrupt circulation. In such cases, the essential nutrients may not reach some body parts. It is when people experience certain warning signs that indicate that their blood circulation needs a boost. Varicose veins These develop when additional pressure builds up on the blood vessels, obstructing normal blood circulation. Varicose veins may also occur due to damage to blood vessels, disrupting blood circulation in the veins. As a result, the veins appear twisted or engorged, usually in the lower extremities, such as the lower area of the leg. Blood clots These can occur anywhere in the body, blocking blood flow, either completely or partially. Although it can develop in any body part, the clots forming in the legs or arms are generally responsible for causing blood circulation issues. Sometimes, a blood clot in the abdomen can also indicate poor blood circulation. Muscle cramps When the body cannot get sufficient oxygenated blood due to poor circulation, it can cause cramps, especially in the legs.
6 early signs of poor lung health
health

6 early signs of poor lung health

We might not heed a cough that won’t go away or wheezing while breathing, assuming it might be because of air quality or changing weather. However, mild but chronic symptoms like these must be noted down. People often think that trouble with breathing is normal as they get older, but these might be signs of severe lung disease. With this in mind, here are six warning signs of poor lung health that should not be ignored. Chronic cough A cough that won’t go away and has been around for eight weeks or longer is considered chronic. The constant symptom indicates something might be wrong with the individual’s respiratory system. If one experiences this, they should visit a healthcare expert for an opinion immediately. Excessive mucus production The mucus lines the surfaces of organs like the lungs and serves as a lubricant to keep tissues from drying out and as a line of defense. But if someone develops excessive mucus in their throat or chest that won’t go away, it could be a sign of lung disease. Wheezing Noisy or strained breathing is a potential sign that something might be obstructing the airwaves in the lungs or forcing them to narrow.
5 warning signs of eczema to watch out for
health

5 warning signs of eczema to watch out for

Eczema, or atopic dermatitis, is a skin disorder in which the skin feels extremely itchy, is flaky, and can appear reddish and inflamed. While the skin condition usually develops and is common in young children, it can occur at any age. It is also observed eczema patients are at high risk of having asthma, hay fever, and some food allergies. Keep reading to learn more about the early warning signs of this disease. Reddish and itchy skin Eczema usually starts with this symptom, which can be noticed on the feet, hands, and face. The skin may also become scaly, rough, and dry in certain areas. It needs to be properly diagnosed by a healthcare professional for initiating proper topical treatment. Blisters In some cases of eczema, one of the symptoms includes developing blisters. These are small and often have fluid filled in them. They can also be extremely itchy and, when scratched, may break and ooze on the skin. In addition, it can lead to further skin irritation in the area. Cracked skin This skin condition develops thick skin, which gets inflamed or swollen and can lead to cracks. It can get extremely uncomfortable, especially around the areas where the skin is thin and folded.
6 foods to avoid before taking a flight
travel

6 foods to avoid before taking a flight

Preparing for a flight is not only about what you pack into your bags but also what goes inside your stomach. Luxurious seating and business-class hospitality cannot compensate for a poorly planned meal before a flight. Changes in air pressure and density on board a flight cause a shift in meal requirements before and during one’s air journey. This article provides a list of foods that one should avoid before boarding a flight: Apples The proverb “an apple a day keeps the doctor away” cannot be more accurate, considering the abundance of antioxidants and vitamin C in apples. However, the fruit is extremely high in fiber content, which may cause problems with digestion and lead to bloating. Such issues can have a more severe impact while one is on board a flight. Hence, it is best to opt for fruits like oranges, berries, and papayas, which are easier to digest, before flight journeys. Cruciferous vegetables Cruciferous vegetables like broccoli, cauliflower, cabbage, and Brussels sprouts are high in vital nutrients; however, they can be heavy on the stomach and trigger digestion issues. They are also rich in a sugar called raffinose, which often causes bloating. It helps to avoid cruciferous vegetables before a flight, swapping them with lighter foods like white rice, fermented foods, and instant oats.
5 common skin care myths debunked
health

5 common skin care myths debunked

With heaps of information floating around promising to uncover all secrets about skincare and beauty regimes, it can be daunting to find well-grounded sources. Many urban legends and myths are also passed down through generations, and these seem to do more harm than good. To help you make the right decisions for your skin’s health and overall glow, here are some popular myths you must know about and the science behind them! Myth: The order of application of skincare products doesn’t matter! There is a correct way of applying your skincare products, which helps ensure that it is absorbed properly and works effectively. Work with your dermatologist’s recommendation if you are confused about the right order of application, or go from the lightest to the heaviest density of product formulation. The general order is to start with a cleanser, followed by toner or mist, and then serums, moisturizers, facial oils, and sunscreen. Myth: You only need to wear sunscreen on sunny days The sun’s UVA and UVB rays can penetrate through the clouds and many types of glass, which can cause permanent damage to your skin. It is vital to wear sunscreen every day and reapply it every couple of hours, regardless of your exposure to the sun.
5 surprising facts of long-haul flights
travel

5 surprising facts of long-haul flights

While long-haul flights may be taxing, typically from one part of the world to another, luxury aircraft entails world-class facilities to ensure comfortable, hassle-free flight journeys for passengers. Such flights have collectively increased accessibility to cities and towns across the globe, allowing individuals to reach distant lands in relatively short periods. Today, several passengers board long-haul flights for commercial purposes and leisure. So, let’s take a look at some surprising facts about these flights: Almost every aircraft has some minor defect The sensors in a plane provide information to the team on the ground about any defects or problems in the aircraft. It has been observed that there are some minor defects in almost every aircraft, such as the jamming of a window. In case of significant issues, the team posted on the ground can directly contact the pilots. Flight attendants have a secret chamber Unbeknown to most long-haul flights, almost all have a secret room dedicated to flight attendants. This room helps flight attendants rest and avoid unruly passengers. They can access the cockpit and comprise bunks. Some of them entail business-class seats and a washroom. You may be traveling with a rhino No, it is not just a dog or cat taken on a flight.