Powerful Tips for LegallyImproving Your Credit Score

Part 1

There are many misconceptions about credit scores out there. There are customers who believe
that they don’t have a credit score and many customers who think that their credit scores just
don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good
interest rates, and even your chances of getting some apartments.

The truth is, of you have a bank account and bills, then you have a credit score, and your credit
score matters more than you might think. Your credit score may be called many things,
including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score.
All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how
likely you are to repay your bills.

Every time you apply for credit, apply for a job that requires you to handle money, or even apply
for some more exclusive types of apartment living, your credit score is checked.

In fact, your credit score can be checked by anyone with a legitimate business need to do so.
Your credit score is based on your past financial responsibilities and past payments and credit,
and it provides potential lenders with a quick snapshot of your current financial state and past
repayment habits.

In other words, your credit score lets lenders know quickly how much of a credit risk you are.
Based on this credit score, lenders decide whether to trust you financially – and give you better
rates when you apply for a loan. Apartment managers can use your credit score to decide
whether you can be trusted to pay your rent on time. Employers can use your credit score to
decide whether you can be trusted in a high-responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of misinformation circulated about,
especially through some less than scrupulous companies who claim they can help you with your
credit report and credit score – for a cost, of course.

From advertisements and suspect claims, customers sometimes come away with the idea that in
order to boost their credit score, they have to pay money to a company or leave credit repair in
the hands of so-called “experts.” Nothing could be further from the truth. It is perfectly possible
to pay down debts and boost your credit on your own, with no expensive help whatsoever.

In fact, the following 101 tips can get you well on your way to boosting your credit score and
saving you money.


Surrounded by Arctic waters, Norway’s coastal towns sit upon the edge of oceans that are seven times the size of the country.

Norwegian Halibut

Norwegian Halibut

Atlantic Halibut from Norway delivers a delicate white meat and firm, juicy texture perfect for any dish. Learn more about this delicious, wild-caught and ocean-farmed fish.

Deepwater Norwegian Prawn

Deepwater Norwegian Prawn

Deepwater Prawn from Norway offers a distinctively firm texture and light pink color comes from the cold, clear waters of Norway. Learn more about its unmatched quality and balanced sweet and salty flavor.

Deepwater Norwegian Prawn

Deepwater Norwegian Prawn

Deepwater Prawn from Norway offers a distinctively firm texture and light pink color comes from the cold, clear waters of Norway. Learn more about its unmatched quality and balanced sweet and salty flavor.

Norwegian Haddock

Norwegian Haddock

Wild-caught Haddock from Norway enjoys one of the world’s largest haddock stocks thanks to Norwegians’ respect for nature and strict guidelines for protecting the stock.

Norwegian Salmon

Norwegian Salmon

Sustainably farmed Norwegian Salmon delivers a clean taste and texture that comes from a slow, natural growth process and exceptional regulations to ensure safety.

Premium Norwegian Mackerel

Norwegian Mackerel

Norwegian Mackerel—known for vivid tiger stripes—is favored worldwide for its firm, flavorful meat and high omega 3 fatty acids. Learn more about what distinguishes this succulent fish.

Premium Norwegian Mackerel

Norwegian Mackerel

Norwegian Mackerel—known for vivid tiger stripes—is favored worldwide for its firm, flavorful meat and high omega 3 fatty acids. Learn more about what distinguishes this succulent fish.

Norwegian Cod

Norwegian Cod

Norwegian Cod is known as Norway’s “white gold”. Renowned for its delicate white color, flaky structure and superior flavor, it’s one of the most common and economically important marine fishes in Norway. 

Skrei: Norwegian Cod


Skrei is often called the “Norwegian Miracle.” Available for only a limited time each year, see how Skrei’s epic swim through Arctic waters transforms cod into a true seasonal delicacy. 



Bacalao has been a nutritious staple of the Norwegian diet since Vikings roamed the seas. Long a major export of the North Atlantic region, today it is still a staple of Mediterranean, South American, Caribbean and West African cuisines. 

The cold, clear waters are the perfect environment for fish, supporting many different species and nurturing them at the optimum temperature until they’re ready to be caught.

Is it true that a juice loses vitamins because it is squeezed?

If you have been to a supermarket in recent months, you have surely seen the machines for squeezing juice at the moment. This juice purchase option began to extend two years ago and has not ceased to win customers, while taking them away from customers of the bottled juice of a lifetime.

These machines offer juice squeezed at the moment and no additive or preservative is added, so for many, the question may arise as to whether vitamins are lost in a matter of hours or maintained. Fortunately, the Organization of Consumers and Users (OCU) has conducted an investigation.

This study on the different juices has also served to know which is the cheapest freshly squeezed juice, something that you can check in our article.

In the OCU they have analyzed 24 samples of juices that have been collected from supermarkets that were stored after 24 hours.

The analyzes were of samples collected in supermarkets during hours between 12:00 and 16:00, with the machines running from the first hour, and resulted in no hygiene problem with the juices collected: “No microorganisms are detected that they cause diseases and the rest appear in acceptable quantities. These products are safe and consumed at the time of purchase. ”

Regarding the analysis on vitamin C, the results have been clear and it has been proven that there is no loss of vitamins: “we measure the amount of vitamin C contained in the samples on the day of purchase and also after 24, 48 and 72 hours. The results are clear: vitamin C, as levels remain stable as long as the juice has been kept cold. “

Therefore you know, when someone tells you to take the juice fast so that vitamins are lost, you may not know what really happens or that it is only a trick for you to take it fast.

Now you have an answer.

5 Apple products to give away at Christmas without going bankrupt

It is true that Apple products are more expensive than those of its competitors. The exclusivity that Apple gives does not have other brands, as well as the quantity and quality of the apple brand software.

If you want to give a gift to someone who has an iPhone, an iPad or a Mac and is fully compatible with their products, bet on Apple’s official products to avoid problems. They have warranty and technical service in their stores without comparison, in addition to integrating better with all their devices.

The problem? Prices. The “Apple rate” is usually quite high, but you don’t always have to leave a kidney to buy official Apple products. You can find very useful products that are not that expensive.

Apple AirPods with charging case
Airpods 2

The best known headphones in the world and therefore the most desired are the AirPods. These white headphones have become a new standard in terms of quality Bluetooth headphones, compatible with both iPhone and Android phones. Now the second generation AirPods are discounted for only € 148.99 on Amazon.

With a battery that gives you up to 5 hours of playback and a magnetized cable charging box that increases the service life up to 24 hours, they are surely a truly wireless headset with the best battery of the moment.

Includes functions such as touch playback control, “Hey Siri” without touching anything, H1 chip to improve pairing and connection quality with iPhone, iPad and Macs.
Airpods 2
Apple AirPods 2

The AirPods 2 is the second version of the popular Apple wireless headphones. The new version features new features such as active Siri listening, wireless charging case and enhanced autonomy, plus Bluetooth 5.0 for faster and more stable connectivity.
Amazon offer
64GB iPad mini
iPad mini

The iPad mini is Apple’s most compact tablet that has become much faster in the latest model and finally has Apple Pencil support for taking notes or drawing.

This Apple tablet that normally costs € 449 is now discounted on Amazon for only € 377.25 with 64GB of memory.

After years without updating now, this iPad mini with 7.9-inch screen matches the larger iPad with the Bionic A12 processor. It has a start button with a Touch ID fingerprint reader and a battery of up to 10 hours of autonomy.

It is the perfect tablet to take it everywhere, watch series, movies or use it to take notes without having to carry a bag or backpack.

Apple Beats Powerbeats Pro

For those who are looking for Apple headphones that isolate better than AirPods but are compatible with physical activities, such as running or playing sports in a gym, its Beats headphone brand launched the Powerbeats Pro.

Apple sports headphones are now on sale at Amazon, because they have gone from € 250 that usually cost only € 217.49 with free shipping.

They include functions such as “Hey Siri” without the need to touch buttons, playback control by physical buttons, a much more stable setting than the AirPods behind the ear and an important detail: a battery of up to 9 hours uninterrupted with a single charge. Thanks to its cargo box you can have 1.5 extra hours just being connected 5 minutes.

Apple Pencil
Apple Pencil

Do you want to give an Apple product that unleashes the creativity of someone? The Apple Pencil is the perfect product for all people who have one of the new iPad, iPad mini or iPad Pro.

This digital pen allows you to synchronize immediately with these iPad simply by connecting to its Lightning port.

It has thousands of pressure levels, a latency of only 20ms compared to what is seen on the screen and a battery that offers you 12 hours of uninterrupted use.

It is an essential accessory for iPad users who use it at all times to take notes or for artists and enjoy design and drawing applications.

IPhone Smart Battery Case
Apple Smart Battery Case

The iPhone has a good battery, but not as good as the latest Android that include batteries with much more capacity. Although it is true that iPhone tend to better manage battery consumption, it is not a panacea and many people end up taking a charger wherever they go.

To forget your iPhone charger at home, the Smart Battery Case is perfect. They are silicone protective cases for iPhone that include a battery to extend the hours of use.

Apple Smart Battery Cases are available for many of the latest iPhone announced, such as iPhone 11, iPhone XS, iPhone XR and iPhone 7. Some models are on sale at Amazon.

They are normally more expensive batteries than some battery cases of other brands, but these have the quality and compatibility of Apple, with details such as being able to see the amount of energy left from the widget panel.

Smart Battery Case for iPhone 11 for € 126.70
Smart Battery Case for iPhone 11 Pro for € 126.70
Smart Battery Case for iPhone 11 Pro Max for € 129.13
Smart Battery Case for iPhone XS for € 142.18
Smart Battery Case for iPhone XS Max for € 126.65
Smart Battery Case for iPhone XR for € 117.04
Smart Battery Case for iPhone 7 for € 91.77

Prices may vary, you can check it

Info on Bitcoin’s Surge Points to “Whale”

Back in late 2017 when bitcoin spiked to nearly $20,000 seemingly overnight, we felt like Ice-T trying to bag a perp: Was it Adam Smith’s ghost, or something more mischievous?

We’ll take something more mischievous. A new study in the Journal of Finance suggests 2017’s price surge was the doing of an unknown manipulator operating from a single account at Bitfinex, then the largest crypto exchange.

  • The nitty-gritty: The study’s finance professor authors argue the so-called whale used a dollar-pegged cryptocurrency called tether to ratchet up demand for bitcoin when bitcoin fell below certain price thresholds. That misconduct may have led to this:

Neumann’s no Longer a Royal We

Adam Neumann is stepping down as CEO of The We Company, the parent of WeWork. He’ll remain with the office rental company as non-executive chairman, aka a pilot who doesn’t get to touch the controls. 

The main instigator: Masayoshi Son, CEO of major WeWork investor SoftBank. 

  • Masa was gaga over Neumann as recently as this January, when he plugged $2 billion into WeWork at a $47 billion valuation.

But WeWork aged as gracefully into fall as the New York Mets

As it prepared for a monster IPO this summer, WeWork filed regulatory documents that left people who write words for a living “at a loss for words.” Convoluted financials, incomprehensible corporate governance structures, billions of dollars in losses…it’s all there. 

As Masa and other investors watched WeWork slash its valuation from $47 billion to $15 billion to salvage the IPO, their collective blood pressure climbed. When WeWork delayed its public offering last week, they’d had enough. 

First there was Adam, then came We 

Neumann co-founded WeWork in 2010, and with the right mix of charisma, capital, and shrewdness, he turned it into one of the most valuable startups in the country. 

  • Don’t forget how big WeWork is. Last September, the company topped JPMorgan to become the largest tenant of office space in Manhattan. 
  • WeWork has over 800 locations in cities as far-flung as Xi’An, China, and Columbus, Ohio. 

But unflattering media reports in recent weeks showed that Neumann’s eccentric leadership style and cozy financial relationship with the company had turned WeWork’s IPO radioactive on Wall St. 

Where does WeWork go from here? 

CFO Artie Minson and Vice Chairman Sebastian Gunningham will take over as co-CEOs, but don’t expect them to ring the bell at the Nasdaq this morning. Heavy job cuts could be on the horizon, and WeWork has a long way to go to resolve its governance, financial, and reputational issues.

The UN Circus Comes to Town

Manhattan readers: If you see more jacked people in sunglasses this week, it’s because they’re protecting the leaders of the world who are here for the United Nations General Assembly. There’ll be 600 meetings (none of which could have been emails) for the 193-member GA. We took a peek at a few leaders’ agendas…

German Chancellor Angela Merkel

Climate change. Following “tortuous all-night negotiations” over Germany’s $60 billion climate plan, Merkel is struggling to find her place on the climate change A-team, writes Bloomberg. Some one-star reviews:

  • From activists: insufficient for a “climate emergency.”
  • From economists: too gentle to force any changes from big business.

Today, Merkel joins ~60 heads of state at the UN’s Climate Action Summit. They’ve been told to leave the “beautiful speeches” at home and come instead with “concrete plans” for carbon neutrality by 2050.

India’s Prime Minister Narendra Modi 

Economic uncertainty. After years of 8%-plus economic growth, India’s GDP is now growing closer to 5%. Unemployment is at 8.4% and rising.

Modi was in Houston yesterday at a rally with President Trump called “Howdy, Modi!” that drew more than 50,000 people to the Texans’ NRG Stadium—hope you picked him up on waivers. Trump and Modi were expected to iron out trade differences and could reportedly sign a deal this week.

As for other world leaders…

Iranian President Hassan Rouhani will present a regional security plan for the Gulf, but don’t expect a handshake with Trump.

Brazilian leader Jair Bolsonaro will open the UNGA with a speech to “reaffirm the issue” of Brazil’s sovereignty after criticism of Bolsonaro’s handling of the Amazon rainforest fires.

U.S. President Trump will put his dealmaking chops to the test. Some tensions that could use a little de-escalating this week, per Axios: Iran, North Korea, China, and the Taliban.

And then there are the leaders playing hooky from the UN: China’s Xi Jinping, Russia’s Vladimir Putin, Israel’s Benjamin Netanyahu, and Venezuela’s Nicolás Maduro.

To the Hong Kong Stock Exchange, London Is Perfect

While you were sleeping Tuesday night, Hong Kong Exchanges & Clearing (or HKEX) made an unsolicited $36.6 billion offer to acquire the London Stock Exchange.

HKEX’s idea of a big picture: The exchanges have a combined market value of over $70 billion, together topping the price tag on the $50 billion Intercontinental Exchange, the NYSE’s parent company.

But the picture is bigger than just London and Hong Kong. The potential tie-in reminds us just how intertwined the world’s trading hubs have become as technological advancements take finance cross-border.

  • HKEX bought the London Metal Exchange’s parent company in 2012.
  • Germany’s Deutsche Börse Group has tried twice and failed twice to buy the LSE. The U.S.-based Nasdaq also made a run for it…unsuccessfully.
  • Nasdaq owns and operates exchanges in the Nordic and Baltic regions, where day traders barely work in the winter. 

The LSE has proven difficult to tie down. Its recent bid for Refinitiv won’t make things easier…and LSE chief David Schwimmer (not that David Schwimmer) called the deal “preliminary and highly conditional.”

How to Make Amazon Your Ex

If you’re a barber who cuts someone’s hair, and then that person opens a salon next door…you’ll probably stop cutting their hair. 

Same goes in the world of logistics. FedEx (-0.33%) said yesterday it will not renew its contract to make ground deliveries for Amazon (+0.31%), which has itself emerged as a major logistics player. The announcement came two months after FedEx said it would discontinue U.S. air delivery service for Amazon. 

Cut to the chase: The two companies are taking the arrows from their logos and pointing them straight at each other.

When a customer becomes a rival

Seeing more Amazon Prime-branded trucks on the highway? The company is investing in its own delivery capabilities to include cargo planes, local delivery vehicles, big rig trucks, and a network of warehouses. 

  • Amazon is already its own biggest shipper. According to Rakuten Intelligence, Amazon delivers 48% of its own packages, up from around 15% two years ago. 
  • And in classic Amazon fashion, it’s turned a cost into a service it can offer to others. Amazon quietly launched a freight brokerage platform in April that undercuts competitors’ prices by 26–33%, per FreightWaves.

FedEx changes its tune

Last month, FedEx finally admitted that Amazon was opening a competing salon. “Some high-volume package shippers, such as Amazon.com, are developing and implementing in-house delivery capabilities and utilizing independent contractors for deliveries, and may be considered competitors,” it said in a filing. 

But going to battle with Amazon may not be as painful for FedEx as you think. 

  • Amazon accounted for 1.3% of FedEx’s revenue in 2018—not even $1 billion. 
  • There are other fish in the growing e-commerce sea. Think of this move as a party invite to retailers like Target and Walmart who 1) also need the delivery services FedEx can provide and 2) want to take down Amazon.

China Isn’t Buying It

The Chinese Commerce Ministry confirmed Tuesday it’s pausing U.S. agricultural imports in response to President Trump’s new tariffs. The move could hobble an already stumbling U.S. farm sector. 

Zoom out: China is the fourth largest export destination for U.S. farms. China spent $9.1 billion on U.S. farm products in 2018, according to the American Farm Bureau Federation.

  • The trade war has already stung: U.S. soybean exports to China dropped 70% from September 2017 to May 2018, while dairy exports are down 54% so far this year. 

It’s not like U.S. farmers don’t have enough to worry about. Crop prices are lower than usual and the spring’s heavy rains delayed planting. The USDA has begun handing out $14.5 billion to farmers to offset the costs of the trade war and bad weather, but it may not be enough as Chinese buyers find alternatives