Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow. If you would like to boost your credit score, there are a number of quick, simple things that you can do. While it might take a few months to see an improvement in your credit score, you can start working toward a better score in just a few hours. Key Takeaways It takes less than a couple of days to pull all your credit reports from the three major credit bureaus, and assessing your credit score is the first step to raising it. In just a few hours, you can set due-date alerts for bills, so you know when a bill is coming up. Paying your bills on time Is one of the most important steps in improving your credit score. Pay down … [Read more...] about How to Improve Your Credit Score Fast
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Why Regulation Will Help The Buy Now, Pay Later Giants
Share to Twitter Share to Linkedin After a meteoric rise during the pandemic, the buy now, pay later (BNPL) business is facing a future clouded by deteriorating economic conditions, competition from the likes of Apple and bank credit card issuers and a looming regulatory crackdown. At least, that’s the conventional wisdom. Since the federal Consumer Financial Protection Bureau (CFPB) opened an inquiry into the industry last year, regulation has generally been framed as a “ backlash ” and threat to the industry’s growth. A research note issued Sunday by Goldman Sachs analyst Michael Ng, which initiates coverage of Affirm Holdings with a neutral rating, observes that “the evolving US BNPL regulatory landscape results in the risk of potential regulation that could reduce the pace of consumer and merchant adoption.” Yet a deeper look suggests regulation could actually benefit the leaders in the American BNPL sector. While BNPL has been around in the US … [Read more...] about Why Regulation Will Help The Buy Now, Pay Later Giants
Covid-19, Gender And Immune Response: What’s The Relationship? (Part Two)
Share to Twitter Share to Linkedin This is the second installment in a two part series which analyzes biological sex differences in immune responses to SARS-CoV-2 infection. Part one focuses primarily on Covid-19 related viral entry, innate and adaptive immune responses to Covid-19 and their correlation to epidemiological evidence. This article will highlight the role of sex hormones in SARS-CoV-2 immune responses, examine sex differences in response to vaccines, and consider their possible therapeutic implications. Covid-19 disease severity and mortality differ between men and women, but the reasons for such differences are not well understood. Part one of this series delves into sex differences in response to SARS-CoV-2 infection and notes how stronger immune responses seen in females likely contribute to the better outcomes observed. This second and final installment will analyze two more elucidating factors: the role of sex hormones on SARS-CoV-2 … [Read more...] about Covid-19, Gender And Immune Response: What’s The Relationship? (Part Two)
Let’s Declare Our Independence — From Zoning
Share to Twitter Share to Linkedin Catch this podcast on the topic of ending zoning at Everything Urban. Today is the day Americans commonly consider our country’s “birthday,” the day which we officially declared independence from the United Kingdom. One could argue the other days would be appropriate, like the final ratification of our written Constitution on June 21, 1788, or even the burning of the ship Gaspee by a group of American tax evaders on June 9, 1722. But July 4 is now hallowed in our civil religion as the day, and it is also a good day for Americans to consider declaring their independence from another oppressive regime, the use of zoning to manage and control the use of land in American cities. The July 4 holiday is unique in that it doesn’t celebrate a battle or a person but a document, the Declaration of Independence , the central focus of which is shaking off the interference of a distant government in daily life. For people on … [Read more...] about Let’s Declare Our Independence — From Zoning