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6 common smartphone charging mistakes to avoid

6 common smartphone charging mistakes to avoid

Charging the smartphone has become such a mundane task in everyone’s life. However, many people don’t know that they could be making several mistakes while doing so, causing the battery to drain faster than it should and making the phone less efficient. Despite the task looking deceivingly simple, there is a lot that goes into perfecting technology. These nuances determine the charge cycles of one’s phone, determining the battery’s lifespan. 1. Leaving the charger in the socket One of the most common mistakes people make with their chargers is letting them remain in the sockets. This plugged-in charger keeps drawing electricity, causing a significant rise in one’s energy bills. If the room is humid enough, this can also result in the transformer short-circuiting and catching fire. Always unplug the charger and stow it away when not in use to stay safe. This will help save on energy costs and keep the home safe. 2. Letting the battery die completely before charging it again Today, all smartphones use lithium-ion batteries with a set number of charge cycles. Letting the phone’s battery die completely affects this cycle, impacting its longevity. To avoid this issue, don’t let the phone’s battery reach 0% before charging it.

6 mistakes to avoid when using debit cards

6 mistakes to avoid when using debit cards

As many parts of the world are steadily moving toward a cashless economy, debit cards are becoming highly popular and accepted modes of payment. These cards can be used for shopping at all major retail stores and withdrawing money instantly. Also, most debit cards offer lucrative benefits, such as rewards, cashback, and no annual fees. But to get the most out of debit cards, it is important to avoid certain mistakes. 1. Using too many debit cards As different banks offer different deals and benefits on debit cards, many tend to use multiple cards to benefit from a variety of offers. But such deals and offers come with additional fees, so, the more cards one has, the higher the aggregate fee one would have to pay. These extra charges can increase the expenses. So, it’s best to have a maximum of three cards to avoid spending too much money on fees. 2. Using debit cards for big purchases A debit card uses the funds deposited in the cardholder’s bank account. So, if one tries to pay an amount that exceeds the total balance in the account, the transaction may bounce. For this reason, it’s best to use a credit card for large transactions so that one can repay the amount flexibly until the deadline.

6 benefits of cruise insurance

6 benefits of cruise insurance

Traveling on a cruise is an exciting experience to try at least once in a lifetime. A cruise offers a range of amenities for adults and children, including live music, concerts, water activities, and delicious meals. However, embarking on a cruise means that one will be away from home for at least a day or two, if not longer. Having cruise insurance can help address various situations that may arise while on board the ship. Last-minute cancellation refunds One might have to cancel a cruise trip at the last minute for various reasons, including a family or health emergency. However, cruises have terms and conditions that may prevent the issuance of a refund. If one is faced with this situation, one might lose all the money spent on the cruise package. However, having a cruise insurance plan could offer complete reimbursement or credits. Coverage for missed cruises Sometimes, one might need to fly to a city to board a cruise. If the flight gets canceled due to extreme weather conditions, there is a high chance one may miss their cruise and not get a refund in the process. In such situations, signing up for travel insurance can help reimburse an individual for eligible meals, hotel stays, and lost prepaid expenses if a trip delay is experienced.

Know how to conduct a vehicle title search

Know how to conduct a vehicle title search

Buying a used car is an economically viable alternative to buying a brand-new vehicle, but it comes with its own risks. One of these risks is not knowing the car’s actual history, such as whether it has been in accidents or how much routine maintenance it has gone through. In such situations, conducting a title search on a vehicle can be beneficial to learn about the actual recorded history of the car. Find the VIN The VIN or Vehicle Identification Number is a 17-digit combination of numbers and letters assigned to each vehicle. This number can be found in the vehicle’s insurance information documents, such as the insurance card or insurance policy. Since every state mandates that a car has insurance coverage, finding the VIN through the insurance documents is fairly easy. But if the insurance documents are not available, the VIN can also be found on the car’s registration card or sticker. These are usually found on the front windshield on the driver’s side. Besides this, the VIN can also be found on the driver’s side below the windshield, the driver’s side door or door jamb, the front of the engine block, or the front end of the frame.

4 popular debit cards to consider using

4 popular debit cards to consider using

With cashless economies becoming the norm, debit card transactions have increased exponentially, and almost all major retailers across the country accept debit cards as a mode of payment. Their ease of use with other benefits and cashback options add to their appeal. Debit cards can also be used to withdraw cash instantly, which is especially useful when cash payment is the only option. Having the right debit cards is the key to enjoying maximum benefits. Empower Debit Card The Empower app, powered by AI and cutting-edge technology, has made finance management a breeze. It helps individuals with every aspect of financial planning, from investment and retirement to health savings. The company offers a cashback debit card, which provides 1% cashback on the first $1,000 spent using the debit card every month. Also, those who register for the card can additionally open a savings account. With the Empower Referral Rewards Program, one can receive a credit of $5 upon referring a friend to Empower. U.S. Bank Visa® Debit Card The U.S. Bank Visa® Debit Card has emerged as a popular, convenient option for users as it is accepted by millions of retailers in the country and has flexible autopay and recurring payment options.

Key features of no-fee prepaid debit cards

Key features of no-fee prepaid debit cards

A no-fee prepaid debit card is a type of debit card that provides more advantages than the typical prepaid debit card. The key benefit of this card is that users can load and use their money without paying any fees. Additionally, these cards also help limit one’s spending, thus preventing any potential financial crisis. However, one downside to this card is that some stores and service centers may not accept it. Features of no-fee prepaid debit cards Prepaid debit cards provide users with exclusive access to credit. People owning these cards can repay this used credit within a stipulated amount of time. The workings of a prepaid debit card differ slightly from that of a standard debit card. A normal debit card is used to withdraw money from one’s savings account. On the other hand, prepaid debit cards allow users to load money into their cards through several monetary avenues. Unlike a regular debit card, a prepaid card is not linked with its user’s savings bank account. In that sense, this card functions a lot similar to credit cards issued by banks. Additionally, prepaid debit cards come with several added fees, such as an activation fee, a card loading fee, a monthly fee, a fee for withdrawal from out-of-network ATMs, and a general withdrawal fee.

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Volvo XC90 – Features to note before the Black Friday sale

Volvo XC90 – Features to note before the Black Friday sale

The Volvo XC90 is a midsize hybrid SUV that combines everyday practicality with a touch of refinement. This model has a premium feel, thanks to its updated exterior styling and a thoughtfully upgraded cabin. Additionally, the car comes equipped with all-wheel drive across all variants, and its powertrain lineup includes turbocharged engines and a plug-in hybrid option. Those interested in the Volvo XC90 should consider its features to make an informed decision during the Black Friday sale. Pricing The starting price for the 2025 XC90 is set at over $58,000. Going up the trim level means buyers can expect to spend up to $83,000. The lineup has different starting prices for each trim level, with the T8 Ultra Bright Theme, T8 Plus Bright Theme, and T8 Core Bright Theme as the highest-cost models. At the lower end of the lineup’s price spectrum are B5 Core Bright Theme, B5 Plus Bright Theme, and B6 Core Bright Theme. Fuel economy The Volvo XC90 comes with all-wheel drive as standard, regardless of the powertrain. The entry-level models have a 2L 4-cylinder turbocharged engine producing 247 horsepower. The mid-level B6 variants deliver 295 horsepower. The higher T8 models are paired with a plug-in hybrid system, providing an electric range of up to 33 miles and a combined fuel economy of 58 mpg. The base models are known to deliver a combined mileage of 26mpg. According to EPA estimates, the XC90 gets 22mpg in the city and 27mpg on highways. Overall, the combined EPA rating is similar across the lineup, with estimates of 26mpg combined. Performance Drivers can enjoy the Volvo XC90’s precise steering response. The steering wheel provides a featherlight feel, making it easier to maneuver twists and turns. Some models also offer an air suspension option, and the eight-speed automatic transmission, combined with the car’s smooth suspension, ensures a smooth driving experience on different road types.

5 Black Friday Mistakes To Avoid This Holiday Season

5 Black Friday Mistakes To Avoid This Holiday Season

5 Black Friday Mistakes To Avoid This Holiday Season Black Friday is upon us once again. It’s the day we all try to save a little money, get the best deals, and spend our entire day in stores trying to find one last bargain before the end of November. But many people end up overspending. If a Black Friday bargain has ever ripped you off, these tips will hopefully prevent anyone from becoming a victim too! Spending more than you can afford The foremost thing to do when planning for Black Friday is to set a limit on what you can afford to spend. Anything beyond this should be considered an impulse buy and avoided at all costs. Once you’ve decided how much money you want to spend on Black Friday, it’s crucial to stick with that number and avoid impulse buying. It means avoiding debt and spending more than what’s in your bank account — even if it seems like there isn’t enough left over after paying bills or other expenses such as rent or utilities! Saving all your shopping for Black Friday If you have not allotted a lot of money, this holiday season can be overwhelming. When you’re feeling overwhelmed, it’s easy to do something that will make things even more complicated: save all your shopping for Black Friday! The problem with this particular strategy is that there are so many great deals on Thanksgiving Day and Cyber Monday (the latter being the day after Thanksgiving). All those sales during these days create an opportunity for retailers to buy up their inventory before the weekend starts. It means prices will likely go back down again if you wait until Black Friday or Cyber Monday—and that’s not what we want! Not planning a strategy before you start shopping .