The credit utilization ratio is the total outstanding amount on all your credit cards divided by the total credit available on all your credit cards.
For example, if you have 3 cards with a limit of $3000 each, and you have utilized $700, $500, and $300 respectively on these cards, your credit utilization ratio is 16.67% (i.e., $1500/$9000).
People with stellar credit scores tend to have credit utilization ratios of less than 30%, and in general, this is what lenders like to see as well. A low credit utilization ratio implies you manage your credit well and are less likely to default on your dues. To fix your credit, aim to bring your credit utilization ratio to below 30%.
Fatigue is often the culprit that triggers a seizure, so it’s critical you get enough sleep. Set a bedtime and a time to wake up, and follow it religiously. If your work doesn’t allow doing this, discuss an alternative strategy with your supervisor.
What’s a good movie session without your best friend sitting there commenting on every scene?
If you want to cheer someone up, invite them for a night of Netflix and chill. Order a few pizzas and watch a movie (preferably a comedy).
If you can’t invite them over because of the pandemic, use Netflix Party and watch the movie together at your own homes with the chatbox open on the side.
Volunteering for an NGO is one of the noblest and productive ways to spend your free time. It is a great way to help your community become prosperous. If you feel strongly about a cause, work towards it. For example, if you are privileged and want to help people below you, can spend your free time with differently-abled people and know more about their routines and daily struggles.
Innumerable social evils are rampant around us. However, you can do your part and fight against it to spread awareness.
Place the jeans on fresh grass that is not wet. Shooting in the natural light is always better because the pictures are effortlessly bright and vibrant. Fold the jeans or lay it open on the grass to capture different photos. Spread some flowers on the sides or on top of the jeans especially if you are photographing women's or girls’ jeans. Put headphones and a phone near the pair of jeans or ask someone to wear them and sit on the grass. Be creative and capture a bunch of photos that you can choose from.
