Month: January 2016

10 Essential Tools Every Homeowner Needs

With the right tools, household chores like leaky faucets, crooked pictures, squeaky doors, and dead batteries can go from never-gonna-happen to already-done in minutes. The following 10 tools can help you accomplish myriad projects. And buying them over time, rather than all at once, reduces the impact on your budget. Remember: The quality tools you invest in today will last for years to come.

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5 Ways to Improve Your Credit Score

Ads promising to fix your credit score are everywhere, but improving this three-digit number is not a mystical art form or an advanced science. In fact, you can do it yourself: all it takes is some time and a bit of fiscal elbow grease. A credit score is determined by your payment history and debt, and it is used by banks to determine whether you qualify for a loan and what interest rate to charge you (the higher the credit score, the lower the interest rate). A score between 300 and 629 is considered bad credit, a score between 630 and 689 is considered average, and a score between 690 and 719 is considered good. Anything about 720 is excellent. Therefore, it’s in your best interest to get — and keep — a credit score that is as high as possible. Here are five steps toward a higher score.

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