Oh My Heartsie Girls Wonderful Wednesday

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Oh My Heartsie Girls Wonderful Wednesday

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Readers Choice Top 15 PostsEvija Roberts // From Evija With Love
Readers Choice Top 15 Posts
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Words. Do we wield words well? Susan B. Mead | Susan  // Words. Do we wield words well?
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What Are The Secrets Of a Happy Married Life Karren // Oh My Heartsie Girl
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#OMHGWW 1-4Feature Chosen by Evija // From Evija With Love
#1-Sparkle Living // Reindeer-and-Stars Gift Towels

Feature Chosen by Indah // My Purple World
#2-Consumer Crafts // Washi-Tape-Zipper-Pouch

#3-Aka Design // 5 Steps To Organize Anything

#4-Marilyns Treats // Sweetheart Fantasy Fudge

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#5-Gwin Gal // Going Home To See Mama

#6-Growing Up Gabel // Easy-Sloppy-Joes-Recipes

#7-Bombshell-Bling // Stuffed-Sausage-Skewer-Appetizer-Recipe

#8-Simply Darling // Easy-DIY-Cutting Boards

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5 Healthy Habits for a Positive Credit Score

5 Healthy Habits for a Positive Credit Score

Maintaining a health score is way easier than improving a bad one. This is why you need to give up your bad spending habits and change your lifestyle. You need to give up on your shopping frenzy, and crazy purchases.

Following,we are naming a few healthy habits you should adopt to keep a healthy credit score. 5 Healthy Habits for a Positive Credit Score

  • Keep Track of Balance

It’s important to know how much revolving credit you have as compared to the one you use. To elevate your credit score, you need to keep paying back your balance and maintain a low percentage.

If you have more than one credit card balance, then you better consolidate them all in one personal loan. Merging multiple small loans in one big loan puts you on the right path to recovery as you now have only one debt to focus on.

Even after you have paid the balance in full after a month, your utilization rate will be higher than what you expect. You can avoid this if you check whether your credit card company accepts multiple payments or not.

  • Get Rid of Credit Card Balance

You need to get rid of small credit card balances to improve your credit score. Check how many credit cards you have, and calculate your total debt in detail with the current amount of each card.

You need more than one credit card but don’t pile them up. Starting paying back the ones with thelowest interest rate, and amount to clear your mind, and try to stop polluting your credit card reports.  Some best credit repair companies advise you against credit card debt, and they are right.

  • Put the Calendar to Good Use

If you are searching for a loan, search for different rates offered in themarket.

When you apply for credit, it leaves a mark on your credit score. However, three loan types including student, mortgage, and auto give you some breathing room. These loans suggest theneed, instead of bad spending habit.

Still, if you fail to keep up with your payments for a while, it will have adverse effects on your credit score. It will take you some time to clean it up.

  • Pay Bills on Time

If you want to make a major investment, you need to manage the finances. If you are struggling with your bills, you don’t want to make late payments. It will have severe effects on your credit score even if you have some savings.

On time payments is the key to a positive credit score. Yes, you can burrow a loan,and it won’t look bad on your credit sheet. The moment you startmake your payments late, your credit score will drop, and you will have to pay for it in the long run.

  • Don’t Obsess

A healthy credit score is like healthy living; it’s a lifestyle, not a goal. Yes, you have to change your habits to improve and maintain your positive credit score. This is why you need to work with best credit repair companies as they will help you see your shortfalls, and make necessary changes.
 
Related:
A Guide to Setting a Budget and Saving for a Rainy Day
5 Tips on Renegotiating The Mortgage On Your Home
Have Bad Credit-Need a Loan-Learn How

Signs of a Good Medical Office

What to look for when finding a new dentist

How do you know when you’ve found a good medical professional? There are a lot of factors to consider. For most people, the biggest considerations are cost and health insurance. If you find a great doctor who won’t take your health insurance, that’s probably not going to work, especially with the high cost of out-of-network fees in the United States. Cost is another factor. There are great doctors who only charge a few bucks, and there are terrible doctors who charge outrageous fees, so cost isn’t necessarily going to be a sign of quality. You have to find a price point that works from you, then go from there. Looking-For-a-Dentist-Heres-What-To-Look-For

How organized are they?

When you call and schedule an appointment, are they able to pull up a list of possible dates and times right away, or do they have to scramble to find the appointment book? When they say, “We’ll bill you,” does the bill arrive in a week or two, or do you not receive anything except a late bill notice three months later? An office that can’t stay organized is likely to have issues in other places as well. They should be on top of things like billing insurance properly as well. This isn’t the 1950s; we’re living in an era where insurance management software and other tools are widely available for use. Office personnel shouldn’t have to work their way through large stacks of papers in search of your patient file; it should be something they can access with a few keyboard strokes.

Pay attention to how long they keep patients waiting, too. Sure, emergencies are unavoidable sometimes, but constantly waiting two hours past your appointment time is a sign that something has gone wrong on their end. Functional medical offices don’t regularly keep their patients waiting for that long. If there is an emergency, someone should be able to come out and tell you what’s going on and how much longer it will be. Good communication is key when things don’t go as planned.

How established are they?

There are a few categories of business where we appreciate something new and shiny. Hotels and restaurants are good examples of the “newer is better” phenomena. However, when you’re going to see a medical professional, you want to make sure that he or she has been in business for a while and have established a decent reputation in the community.

If your dentist recommends you visit a specific periodontist, it’s not a bad idea to go home and perform some basic research on the name your dentist gave you. Google the person and see what comes up. One of the first results should be some sort of web page, even if it’s just something on Facebook. In this day and age, any company with sense has some sort of web presence. A solid, informative website is one sign that the place you’ll be visiting cares about transparency, and that’s never a bad sign, even if it’s only piece of the puzzle. Look for reviews if you can find them, but don’t get too upset if there’s one or two one-star reviews. If the overall trendline is good, then the people who wrote the bad reviews are probably leaving something out.

[…]
Choosing an Oral Surgeon There Are a Few Things To Consider
Why Is Keeping Up With Your Dentistry Important?

This post may contain automatically and manually added affiliate links, which means I might receive a small commission if you make a purchase using a link at no extra cost to you.

What Does (and Doesn’t) Determine Cancer Outcomes 

The out come of cancer survival for most people is the cost

Never believe people who tell you they have a magical cure for cancer. They’re trying to sell you something, and considering how scary and dangerous hearing the word “cancer” is for most people, the price is probably going to be pretty steep. There’s no tea that’s going to magically shrink a tumor, and there’s no ointment that’s going to make getting chemotherapy unnecessary. If there were a cure for cancer by now, then way more people would know about it then your Great Aunt Shirley’s best friend Carol. So what does work against cancer? That depends on a lot of different things.Fighting-cancer-sometimes-is-the-cost-now-there-the-Right-To-Try-drugs-for-treatment

Acting quickly matters

Cancer generally comes in four stages. Stage I is a much better diagnosis than Stage 4. Typically, the odds of survival get worse with each stage. According to the American Cancer Society, someone with Stage I breast cancer has an expected five-year survival rate of almost 100 percent. For Stage IV, though, the five-year survival rate is 22 percent. However, it’s also important to remember that some cancers are harder to fight than others. While breast cancer survival rates have improved quite a bit in the last few decades, the same can’t be said of brain cancers like glioblastoma, which received a lot of attention in summer of 2017 after Senator John McCain announced he had been diagnosed with it. The most common type of glioblastoma offers a median survival rate of slightly less than 15 months, according to the American Brain Cancer Society.

While it’s easy to recite numbers and statistics, every case is different. Two people with the same stage cancer can have different outlooks based on factors like age and overall health. The best thing a cancer patient can do for him or herself is to find an incredibly trustworthy medical team. If you see a cancer specialist who recommends starting chemotherapy and radiation within a couple of weeks, that’s because he or she doesn’t want to give the cancer the chance to spread any further before the team starts fighting it. It’s easy to feel like things start happening very quickly once a patient receives a diagnosis of cancer. That’s because things probably are happening very quickly. Time is of the essence. That being said, patients should still be able to ask questions about their treatment. This is a big deal, so they should be able to ask a lot of questions and get honest answers, even if the honest answer is, “We don’t know yet.”

The mental aspect

Some patients feel like they should “stay positive” to give themselves a better chance of beating cancer. Other patients will cope by making a lot of very morbid jokes. Neither approach is wrong, and neither approach offers a better chance of survival. The American Cancer Society says there’s no hard evidence that having a certain personality type makes you more or less likely to survive cancer.

Some patients will be able to take a few weeks off work to focus solely on the first round of cancer treatments, but many people won’t have that luxury. There may be other options, though. That’s also true of students taking college classes. Most professors are going to be sympathetic to people with health emergencies, and something like cancer definitely qualifies. Going to work or school even part-time can also provide a welcome distraction from constantly hearing about and thinking about cancer. It’s a way to feel a little bit normal in a very abnormal situation.

Related: 3 Things You Can Do If You Lose Your Eyelashes During Chemo
What to Expect from a Laser Cap for Hair Growth
5 Ways to Elevate Your Energy and Boost Your Wellbeing