Top Translator Apps for Each Language

Whether you’re trying to learn a new language or you are traveling to a foreign country that speaks a different language, a language translator program is one of the best methods that will assist you adapt to your environment. If you would like an app that’s specified for the language you’re needing rather than a more general one, here would be the best programs for each language.

Google Translate — English

Available free on Android and iOS, Google Translate is the most extensive language translation program, It can translate up to 90 distinct languages, permits you to use your camera to interpret text in 26 languages, and contains two-way automatic language translation in 40 languages.

SpanishDict — Spanish

This free program by Curiosity Media is available on iOS. It’s an offline Spanish-English dictionary, sound pronunciations, conjugation tables, three unique kinds of translators, a speaking Phrasebook, and word games that will help you learn the language at your own pace.

French Translator/Dictionary — French

GreenLife Apps’ free Android translator is promoted as French but it can actually translate more than 30 languages. Additionally, it has an offline dictionary, a word of the day feature, transcription for the majority of its languages, and a sentence correction feature.

Italian Translator/Dictionary — Italian

Very similar to GreenLife Apps’ French Translator, this program also supports several languages, has an offline dictionary, word of the day feature, sentence correction feature, and vocal recognition because of its spoken translation feature.

Latin-English Translation Dictionary — Latin

Although Ultralingua, Inc’s iOS and Windows program isn’t free, costing $11.99, it will provide some terrific features. You will find over 95,000 translations, offline capabilities, auto-correct attributes, and ensured accuracy since it’s based on Lewis and Short’s 1879 Latin-English Dictionary.

Japanese Translator — Japanese

Yehia ElBehery’s free iOS program allows you to translate between English and the Japanese languages of Kanji, Kana, Furigana, Romaji, Hiragana, and Katakana. You may also see actual worlreal-world of Japanese phrases, like on social media.

Arabic Language Translator — Arabic

GK Apps includes a {} Arabic translator available at no cost on Android. This app can translate both spoken words and written text from Arabic to English and vice versa. It translates very quickly, and those translations can be stored offline to use as a dictionary.

WayGo — Chinese

Available at no cost on Android and iOS, Translate Abroad’s WayGo is our favourite Chinese language app. No internet connection must interpret food menus, signs, documents, and much more. Simply point your camera in the Chinese phrases, and it’ll automatically interpret them for you.

German Dictionary & Translator — German

Ascendo Inc. provides this German program on iOS for $9.99. This German Dictionary & Translator includes quite a bit for the cost: a comprehensive offline dictionary, a Phrasebook with common words used in discussions, vocabulary quizzes, and spoken translation capabilities.


Stages of Brain Cancer

There are eight distinct varieties of cancer that start in the mind. Cancer in other areas of the body may metastasize (spread) to the mind as well–often known as secondary brain tumors. To present an accurate diagnosis and determine the best treatment alternatives, healthcare professionals should also ascertain the stage the cancer is at. Here is a look at how brain cancer stages are coordinated.

Staging and Grading

Most kinds of cancer have been evaluated using the American Joint Committee on Cancer (AJCC)’s TNM (tumor, lymph node, metastasis) system to ascertain the total stage of cancer–according to the area of the tumor, if nearby lymph nodes are affected, and to what degree the cancer has spread through the body.

Brain disorders are a bit different than cancers that start in other areas of the body and require different procedures of diagnosis. Glial tumors particularly are rated differently from other forms of brain tumors, into three phases based on how fast the cells are multiplying.

Based on the American Brain Tumor Association (ABTA),”Grading helps [physicians ] understand how competitive, or cancerous, a tumor is. Staging tells [physicians ] when the tumor has spread and if so, how much” But, Cancer Treatment Centers of America (CTCA) claims that”brain cancer is generally graded rather than staged.” Speak with your medical team to acquire a complete comprehension of their particular process of brain tumor grading or grading.

Grades I-IV

Though some sources report that there isn’t any standard of grading for brain tumors, the World Health Organization’s (WHO) method of grading involves four distinct grades: I, II, III, and IV.

  • Grade I’m Grade I tumors are the least malignant and slowest-growing, with the best chance of a complete recovery and total remission. Microscopic inspection reveals only mild abnormality in tumor cells. Surgery is often an effective method of treatment.
  • Grade II: whilst still fairly slow growing, grade II tumors are more likely to have spread into surrounding tissue. Cells look more peculiar than those of a grade I tumor. The odds of recurrence are higher.
  • Grade III: Grade III tumors have a tendency to be cancerous and faster-growing. Surrounding tissues are more likely to be invaded, and the tumor is more likely to return as a higher-grade tumor. Cells appear far more peculiar than grade I or II tumors.
  • Grade IV: The rapid growing, extremely malignant grade IV tumors are the most invasive and have the most abnormal cell structure. They may often”form new blood vessels so that they can maintain their rapid growth [and] have areas of dead cells within their centres.” Grade IV tumors often stay unresponsive to treatment.

According to the CTCA, specifying characteristics to grade brain tumors include where the tumor is located, how large it is, the affected cell types, surgical accessibility, and whether it has metastasized (spread) through the brain, in the spine, or further in the body. After brain tumors become metastatic, medical professionals will probably turn to the TNM staging system.


10 Questions You Need To Ask Your Mortgage Lender

Request these 10 questions and use the answers you have to choose whether to proceed with a mortgage lender. This is a really important step of the procedure and should not be dismissed. You should come to a prospective lender with a list of questions already ready. Don’t sign any documents until you’ve asked your questions, and had them answered satisfactorily!

Signing a mortgage is a massive commitment. You will need to be certain that you understand every part of the loan, what hidden charges will be involved, and what you are responsible for paying either now or later on. This list of 10 questions will help you tremendously in choosing your future creditor.  

  1. What’s the rate of interest for the mortgage?

    You will need to know precisely what you will be paying over the term of the loan so being mindful of the speed is obviously essential. Rates can change on a dime and you may not find a low rate if your credit is not up to snuff.

    To compare various lenders and their programs, request the yearly percentage rate (APR) of their mortgage interest that’s greater than the initial quoted speed since it encompasses all of the fees associated with the buying of a home and mortgage. Be cautious: firms advertise very low APR but are not really including all of the fees that have a house mortgage. You have to request the itemized breakdown of the charges and all of the charges, otherwise you might use a fake and unrealistic APR to make your choice.

  2. How many discount and origination points am I applying for? How much will I pay?

    Lenders can charge prepaid mortgage interest points which will decrease your interest rate but may have no real advantage to you general. You will need to know what type of points that these are and how much they want you to pay up front, so you don’t get the wool pulled over your eyes at the last second.


  3. What are the closing costs?

    The creditor and each the people involved in the transaction from start to finish have penalties you’ll have to pay. Determine what these will be from the beginning and include them in your calculations. Home mortgage lenders need to provide you a letter outlining what these final prices are going to be within 3 days of getting the loan program.


  4. When can I lock in the rate of interest and how much does that cost?

    Interest rates change every day, and you do not want it to switch between when you first apply and when you’re close. To prevent increases to your speed you may wish to lock in a rate and possibly points for a particular period. There could be lock in fees related to this activity, so you want to ask your own lenders. Try to ascertain what experts are forecasting that the prices are likely to do and read the Rate Trend indicator to find the best possible rate.


  5. Is there a prepayment penalty for this loan?

    Should you prepay in your loan there could be a penalty. Penalties can be 1 percent of the loan amount, or six months worth of interest. Some only apply when you decide to refinance or attempt to decrease the principal balance by over 20 percent. Some penalties apply if you attempt to sell your house before the mortgage is paid. Find out how long the punishment period lasts and how it’s calculated. Occasionally you will find reduced interest rates available to buyers that accept prepayment penalties.


  6. What is the minimum down payment I must make on this loan?

    Generally the down payment will be between 3 and 20 percent of your home price. The more money you have the ability to put down, the more you will have the ability to reduce your rate and the greater the conditions you will receive. If you can not pay 20 percent of the property’s value, you will typically be required to purchase private mortgage insurance.

  7. Can I qualify for this loan? What are the guidelines?

    To be eligible for a loan they’ll look at your income, employment, assets, liabilities and credit history. First-time buyer plans, VA loans and other government programs are offered for greater deals on mortgages and simpler eligibility guidelines compared to other loans, with a few of those programs offering zero percent down mortgages.

  8. What documents will I need to supply?

    Most home mortgage lenders require proof that you have an income and are going to want to check over your assets prior to accepting your loan. They can request other personal financial documents also. For those who have stellar credit, you might be eligible for a no-documentation loan however you’ll likely have to pay a much bigger down payment and a higher rate of interest.

  9. How long does it take to process the loan program?

    Unfortunately, obtaining a loan is rarely a fast procedure; when the mortgage market is doing well, as it’s doing now, underwriters have a good deal of software to process, verifications take more, and appraisals often move slowly. Most creditors tell you two weeks wait time,but the average amount of time for the application to be processed is 45 to 60 days. Therefore you’ll have to take that into account when you’re placing a limit on how long you need to lock in the rate of interest on your loan.

  10. Are there any foreseeable delays to the approval of this loan?

    If all goes according to plan and the program is completed with all the proper information, the home mortgage lender should be able to process your loan with no hitch. But when the underwriter finds credit problems, there might be delays. If you change jobs, have a change in wages, carry debt, or change your marital status in the time between when you submit and if your loan is funded, let your lender know!


These 10 questions will get you all the info you want to know to find the perfect home loan and choose the hemming and hawing from the procedure. This also enhances your attractiveness to the creditor since you will look more well informed and responsible throughout the procedure.

Source: Thinkstock/AlexRaths


Fixed Rate Mortgages

Fixed-rate mortgages are the most frequently used kind of mortgage loans. It’s a basic arrangement where the lender calculates the principal amount, with one interest rate, then divides the amount equally within an agreed period of years. The most popular terms are 30-year and 15-year fixed-rate mortgages. The 30-year fixed-rate first spread across markets in the USA from the 1930s; it was an alternative to some typical balloon-payment mortgage. 

What’s an Adjustable-Rate Mortgage?

Other forms mortgage loans have variable expenses. The adjustable-rate mortgage sets mortgage interest via an index formula. The advantage is that prices fall as markets fall, thus payments can collapse. However, payments can also rise as markets grow. In recent decades in america, adjustable-rate mortgages have had lower long-term prices than fixed mortgages.

Some mortgage lenders designed payment arrangements to assist customers enter into a purchase agreement by an entry level which differed from a subsequent level. These tiered approaches helped young customers particularly by using a graduated payment mortgages arrangement. They start at reduced payment levels and increase with time. The aim is to allow customers to pay less until assets and incomes permit higher payments.

The balloon payment mortgage is much like flexible plans because customers pay a low rate until an agreed time. Then they need to create a single large payment to retire the debt. This benefits persons who can’t or don’t want to pay big monthly amounts but can create a single large payment. The interest-only mortgage utilizes the formulation of low monthly payments and a huge payment to shut the debt.

Why is a Fixed-Rate Mortgage Better?

The benefits of a fixed rate mortgage are definite expenses, together with a definite and defined term for your loan. You can spread the fixed rate of interest and principal evenly throughout the whole duration of the mortgage. The term of this mortgage is definite, and customers won’t have concerns over the short term upward movement of interest rates. Since the mortgage contract fixes conditions, so long as payments stay current, you won’t need to worry about fluctuations in credit value. Events or changed financial conditions won’t affect the conditions of the contract unless certain provisions in the agreement address this matter. The disadvantages of a fixed rate mortgage are that you can’t take savings from reduced short or long-term prices, and if your credit score improves, the speed won’t change. These represent lost opportunities to lower mortgage costs.

Long-term mortgages are a commodity which you can pack with similar financial instruments and trade on the securities markets. There’s absolutely not any guarantee that the first mortgagor will stay on the contract for the whole term. Any professional buyer can buy mortgage notes, and customers may end up with another mortgagor. From 2000-2008, a worldwide financial crisis grew from market practices related to trading and rating packages of mortgage-based securities. This was an event for fiscal reform but also a stark reminder of the value of mortgage lending to national markets.



Where to Find your Free Credit Report

Consumers should find a copy of their credit report and review it occasionally. A good rule is once every four weeks. An individual needs to read the report and detect activity it describes. An individual needs to look at it carefully to make sure {} accurate. Firms and companies use Credit reports when making decisions for employment and credit. Credit reports determine the expenses of certain things like interest rates on loans and credit cards and insurance prices.

Everybody should review a credit report at least one time annually, and every four months could be an exceptional rule of thumb since there are 3 main credit-reporting services in america, an individual may have a free report every four months. The thought of spreading out the accounts will protect against mistakes since every reporting agency maintains a credit file.

The Fair Credit Reporting Act of 1970 requires each of the 3 national credit-reporting companies to supply each customer a copy, at no cost, of the credit report. The companies are Equifax, Experian, and TransUnion, and they have a responsibility to supply a free copy of a credit report once every 12 months. To be able to maximize efficacy and minimize delay, the three nationally credit-reporting companies united to use one national website, mailing address, and toll free calling place by which customers can order a free annual copy.

One can order every business’s report or distribute the orders over the course of the year. Consumers can purchase online by visiting An individual can order by telephone by calling 1-877-322-8228. Consumers can order by email through the Annual Credit Report Request Form. Consumers must complete the form and email it to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Consumers can order all three reports at the same time, or order one at a time every four months to provide more coverage. The Fair Credit Reporting Act provides for one free copy annually from each reporting agency.

There are lots of reasons to purchase charge reportsnonetheless, the major advantage is to correct incorrect information. An individual needs to read the report carefully and see if the information were up-to-date and cowast. If there are inaccuracies or issues with which one disagrees, an individual can file a dispute and need to have the data corrected. The practice of submitting a dispute can be time consuming but it’s worthwhile. Inaccurate information can cause rejections for credit or tasks which should not occur. An individual has to follow up following corrections with one reporting service to make certain that the other reports are free of error or adjusted.

Consumers may require a free copy of a credit report when a company makes a negative decision, such as denying an application for credit, insurance, or employment. An individual has to ask a report within 60 days of receiving notice of the adverse actions. Unemployed consumers or people on welfare can find a free report if they intend to go to work within 60 days. Further, an individual can find a no-cost report to correct inaccuracies because of fraud and identity theft.


What You Should Know About Shingles

Shingles (sometimes referred to as herpes zoster) is a viral disease which causes a painful, blistered rash that most commonly appears as a band or stripe on either side of the body. It is caused by the same virus that causes chicken pox, which doesn’t go away after healing but remains dormant in the nerve roots. 

When disease, anxiety, or aging weakens the immune system, the virus becomes active again, causing shingles. Anyone who developed chickenpox as a child is vulnerable to shingles, and people that are more than 50 years old, have an autoimmune disorder, or have other health issues that weaken the immune system are more likely to undergo the condition. 

Shingles can’t be spread through touch or vulnerability nonetheless, a person with a shingles rash may spread the virus and lead to chickenpox in another who hasn’t had it and hasn’t got the chickenpox vaccine. Nearly all those who get shingles completely recover, without recurrence.

Shingles Signs and Symptoms

Initial shingles symptoms are nonspecific and frequently lead to misdiagnosis or could be disregarded completely. The first stage consists of flu-like symptoms like headaches, light sensitivity, malaise, and possibly a fever. During the next phase, you may feel itching, tingling, throbbing and/or quick stabs of pain in a particular region of the human body. This second phase most commonly lasts one or two days but sometimes as long as three weeks, and in children it’s often painless.

The third phase brings the attribute stripe, or belt-shaped, skin rash, frequently on one side of the chest. However, the rash has also been known to appear on the face, eyes, or other areas of the body. This is when most people identify their distress as shingles symptoms and contact their doctor for treatment. The rash then evolves into clusters of blisters, which fill with fluid, then eventually, within seven to ten days, the blisters crust over.

Finally, the crusts slough off, and the skin heals. In more severe shingles instances some scarring and/or discoloration may stay. Those who undergo continued dizziness, fatigue, protracted pain or rash on the face, changes in vision, confusion, or a rash which continues to propagate should seek support from their primary physician immediately.

Shingles Treatment

There’s no cure for shingles. Rather, treatment attempts to decrease the pain, shorten the length of a breakout, and decrease or elbreakoutomplications. Earlier self-diagnoses of shingles leads to earlier treatment by a doctor.

Shingles remedies may include antiviral medicines to boost the immune system for reduced pain and faster recovery, in addition to long-term medication such as antidepressants, medications for chronic pain, and topical skin creams. Vigilant home maintenance also greatly contributes to speedy and complete recovery. Keea speedyskin sores clean. Take medications as prescribed, and use over-the-counter pain reducers whenever possible.


The Top 10 Cheapest Online Schools for Business Degrees

With the improvements in technology and the broader accessibility of the web, there have been significant improvements in the provision of online education. Various online business degrees can be found today in the cheapest online schools which can help people that want to boost their career prospects and distinguish themselves from the audience to companies. 

Many companies are now more inclined to select candidates with a relevant amount to fill vacancies or to {} . 1 method of gaining an edge over other candidates for a new job or promotion is to find out about all facets of company and how this may be implemented to make a business better, faster or cheaper than it’s rivals. However, lots of men and women that are interested in pursuing greater business qualifications through another level are already employed, making it harder for them to attend courses on campus.

The fantastic news is that lots of schools have introduced business degrees online to satisfy this requirement, which is now a highly popular option for students which are trying to obtain a business school qualification. The application process is relatively straightforward as long as you have a computer and access to the Internet you have the ability to combine your online classrooms.

Generally, a business school degree includes classes directly linked to management and business, such as accounting, marketing, operations management, human resources and several other major aspects regarding how a company is run or how to handle any organization.

The confidence in the quality and standing of online business degrees has grown as business schools have improved the quality and range of topics available within their classes. You should, however, make sure that any online course you tackle has been licensed, either in a national or state level, as this ensures your degree will be comparable with a conventional level and will be fully recognized by companies. Additionally, there has been an increased amount of recognition of online degrees in business by traditional colleges and universities, so any credits earned in an accredited online business school can usually be transferred to a classic campus-based business degree if you decide to change your course in the future.

With a growing number of business schools providing online degrees in business it’s become much easier for people to attend classes related to business studies. Moreover, the convenience and reduced cost of those degrees have opened up the prospect of gaining a business qualification to a far wider audience and will provide you a distinct advantage when you’re applying for a new job or a promotion.  Here are the top 10 American universities offering business degrees online:

1. Devry University

DeVry started way back in 1939 in Chicago. It has an impressive and lengthy history as an education leader but also boasts an extraordinary 90 percent job/employment placement success rate.

2. University of Phoenix Online

This University is not merely an old-school correspondence center but instead an superb modern world pioneer in education. The school boasts an extensive E-book library, ecological sustainability practice dedication and has a terrific social networking existence also.

3. Walden University

Prestigious Fast Company Business Magazine honored a first place position to Walden University when five online colleges were reviewed. The U.S. News and World Report also termed it as a”respected digital institution.” What is so great about Walden? Affordable courses, terrific multimedia approach to learning and education in addition to a general positive comprehension as an online faculty provider.

4. Westwood College Online

Westward started in Denver with online services beginning in 2002. This faculty has made a substantial impact via a exceptional delivery of its online college experience. With realistic classroom setting, superior audio/video technology capturing an authentic lecture sense in addition to hard-copy books that permit study from computer screens. It certainly offers a excellent deal.
An Alumni Retaining program also suggests that students can stay ahead of the game without needing to pay anything additional. This school might still be somewhat new, but it is in the top 10 all the same!

5. Capella University

Capella might not be new like Westwood, but it is still a relative newcomer with just 15 years service. This school specializes in grad degrees and a great deal of different degree programs that match all levels meaning that Capella has really risen to be a discerning prestigious online education establishment.

6. Colorado Technical University Online

Colorado Tech used to only cater to state line pupils but is now open to anyone, anywhere in the world through its online facility. With various online learning options including live-class show-ups and/or online chatting with classmates and teachers in addition to the choice of devoting lectures; obtaining your diploma hasn’t been so enjoyable and effortless. There are loads of resume-enhancing educational certificates in addition to noteworthy new skills which you can learn.

7. AIU Online

The current online capacity sees AIU reaching even further as they boast campuses in both Losa Angeles and London! They are interested in cultivating a geographically and culturally varied school people and aspire to give excellence in education thereby advancing careers. Attending this online school will mean using a lively virtual website with interactive virtual labs, a excellent career services center and up worldwide community of diversified international students. You really ought to look at this fabulous online facility outside.

8. Argosy University Online

Undoubtedly Argosy is among the latest online institutes which focuses on business, healthcare, and education. Argosy appears to have an outstanding relationship with the U.S. military in addition to veterans and can offer tutorial support, loan repayment options and tuition increments if necessary.

9. Kaplan University

Kaplan University is a serious competition now {} online. Get set to use dynamic peer forums, superior dedication to professor/student communication, various Net-based field trips, and interactive education. Kaplan Online has lots to offer.

10. Baker College Online

Scraping at number 10 is Baker College Online; a certain no-frills college which considers and upholds the precedent regarding affordable education. Baker offers loads of work-based science and business graduate & undergraduate programs. Baker also has a”right-to-try” process where no one is turned away for just about any reason whatsoever! Baker gives everybody a fair go!


If You Need to Renew or Replace a Green Card

Permanent residency in america is only granted in certain conditions and can often take years to get. Though your permanent resident status doesn’t expire, your green card does. It’s the document that proves your residency status. Your green card will have to be renewed every ten years. If something happens to your green card, you’ll have to acquire a replacement as soon as possible.

Applying for Replacement

The Application to Replace Permanent Resident Card Form I-90 will be used to renew or replace your green card. If you’re renewing your green card, you should start the process at least six months prior to the expiration date. When the application is registered, you’ll be contacted for an appointment to have your fingerprints and picture taken. You may also have to provide supporting documents such as a marriage or birth certificate. Take note that if your original supporting documents are in a different language apart from English, it’s likely you’ll have to provide certified translations.

With your biometrics appointment done, the data is used to complete a background check and your fingerprints are sent to the FBI for processing. This process can take about a month to six weeks to complete. If the criminal history and run history checks are sterile, a new card is issued with a new ten-year expiration date.

For replacements, there are particular situations that warrant using Form I-90 also. A lost or stolen card is normal. The application may also be used for cards which are destroyed or are not obtained. Errors, such as title misspellings or incorrect information, are also cases. Form I-90 must also be used if your title has changed or if you’re a permanent resident prior to your fourteenth birthday and you’ve reached that age.

Requirements for Conditional Residents

Conditional residents are distinct. These people have permanent residency but it includes certain conditions, such as investment or marriage. For I-90 cannot be utilised in these cases. Conditional residents possess a green card which expires every two decades. Form I-751 ought to be used to request removal of conditions which are based on union and Form I-829 ought to be used to request removal of conditions which derive from investments. Both situations require the correct application to be submitted at least ninety days prior to the expiry date. If the removal petition is approved, you’ll be issued a fresh green card using a ten-year expiration.

It’s quite important to carry your green card with you everywhere and have it constantly. This little document provides you the ability to travel out the nation and reenter in addition to get a job in america. If something happens and this record can’t be introduced or has died, it can lead to removal proceedings to happen.


10 Signs Your FICO® Score Is Negatively Impacting You

Have you got a poor FICO® Score? How can you tell? This list of ten red flags will show you exactly what to search for.

1.   You can not get a credit card.

If you have had a credit card application turned down, it might be a sign that you’ve got a poor FICO® Score. 

2.   You Need to register for utilities under someone else’s name

Utility providers assess your FICO® Score to find out whether they wish to expand services to you. For those who get a poor FICO® Score, they will see you as a risk when it comes to paying your bills. Either they will require you set a security deposit, or they’ll refuse to support you entirely, and you will need somebody else to register for the utilities only so that they’ll really do business with you.

3.   You’re being hounded by debt collectors

If you are getting phone calls and letters from debt collectors, it means that your FICO® score has gotten a significant hit. Meaning your creditors wrote you off as a loss and handed your balance to debt collectors rather. That type of mark on your FICO® score may significantly affect your ability to get approved for loans and credit cards.

4.   Nobody will co-sign your loans together with you

If your FICO® score is poor, you’re getting turned down for loans and cards which you’ve applied for by yourself. And you want someone to co-sign with you. When you can not get everyone to cosign for you personally, it is a fantastic sign your FICO® score is poor — if your family does not trust in your ability to pay them back, why should a corporation?

5.   You can not get used because of your FICO® Score

Nowadays, companies throughout the country are pulling yourFICO® Score to find out whether you’d make a fantastic employee, particularly if the position is for a fiscal or executive function. Having a poor FICO® score can disability you in the race for jobs.

6.   You can not rent an apartment

Leasing can be risky, so it is not a surprise that landlords seize any opportunity they could get to mitigate their risks. It is becoming common for landlords to test FICO® Scores to be able to exclude people they believe won’t be dependable when it comes to paying their rent. 

7.   You do not want to check your FICO® Score

If you end up coming up with reasons to not look at your FICO® score –“I do not have time”, or”It is not that important” or”I’ll do it after I have done these other things” — then you understand, at least subconsciously, that you’ve got a bad FICO® score.

8.   You have a low FICO® Score

A FICO® Score below 700 is deemed sub-prime nowadays. Banks won’t give you the very best interest rates if your FICO® score is under that. Or you might not qualify for their loans in any respect, and you will be forced to turn to riskier financial instruments.

9.   Your interest rates keep rising

Credit card issuers often increase interest rates in reaction to your FICO® score. If you do things that negatively affect your FICO® score, for example miss a few payments or get an account sent to collections, they may send you an interest rate increase letter.

10.   Your credit cards are becoming closed

Maybe 1 credit card becomes closed — that is not so bad. However, if a number of your credit cards are shut down, it is a clear signal that there is something gone bad with your FICO® score. 


Risk Factors of a Miscarriage

Also known as a spontaneous abortion, a miscarriage is defined as the sudden loss of a fetus during the early stages of pregnancy–usually before the 20th week. According to the American Pregnancy Association, roughly 10% to 25% of clinically confirmed pregnancies will end in miscarriage.

The causes of miscarriage are often completely out of the mother’s hands. Miscarriages are usually due to abnormalities in the genes or chromosomes, but sometimes the cause is unknown.

Risk Factors

Most miscarriages are the result of natural, unpreventable causes. However, there are particular factors that may increase your risk for having a miscarriage. These include:

  • Age: Women who are younger than 35 have the lowest risk of miscarriage, at about 15%. However, as you get older, your risk of miscarriage increases. At age 35, your risk increases to 20%, and at age 40 the risk is roughly 40%. After age 45, your risk increases to nearly 80%. The age of the father might also play a role, since there are a few studies that indicate women who become pregnant by older guys are going to be in a slightly higher risk of miscarriage than usual.
  • Weight: Being underweight or overweight has been associated with an increased chance of miscarriage.
  • Chronic conditions: There are a couple of situations where the health of the mother may add to the threat of miscarriage. Some examples of health conditions that could increase your risk include uncontrolled diabetes, infections, hormonal problems, thyroid disorder, and uterus or cervix issues.
  • Smoking, alcohol, or drug use: If you smoke during your pregnancy, you’ll get a greater risk than women who are nonsmokers. Furthermore, if you drink alcohol heavily or use drugs, your risk of miscarriage are also significantly increased.
  • Past miscarriages: when you have experienced two or more consecutive miscarriages, you’ll be at a slightly greater chance of having another miscarriage. This is called recurrent miscarriages.
  • Invasive prenatal tests: there are a number of prenatal tests that take a small risk of miscarriage. Some examples include chorionic villus sampling and amniocentesis.
  • Uterine or cervical problems: If you have any abnormalities or feeble cervical tissue, this may also increase your risk of miscarriage.


The majority of the time, there’s very little you can do to prevent a miscarriage from occurring. There are a few risk factors which are out of your control, such as age, chronic conditions, or uterine and cervical issues. But, there are some risk factors which you can control, like keeping yourself healthy and avoiding alcohol and smoking. Should you have any chronic conditions that increase your risk, you can work with your physician to keep the condition in check and decrease your risk as much as you can.

Open communication with your doctor is the most important thing you can do if you’re pregnant to prevent any issues or complications from happening.