If you’re just learning to manage your finances, you must know what credit score is and why it should be managed. Credit score is a parameter used by lenders to determine whether you’re eligible for a credit card or loan, and it also determines the interest charged on these financial tools. Several things can influence your score both positively and negatively, so let’s look at a few common factors that affect credit score: Payment history This is the most important component of your financial portfolio and has a 35% contribution to your credit score. To achieve a good credit score, you must ensure that all your debts are paid on time. In the case of late payments, how late the payments are made also makes a difference in how severely it affects your credit score. To prevent this, you can approach creditors to get the due dates moved so that you can make timely payments. Credit utilization Credit utilization, one of the common factors that affect your credit score, is the amount of credit you currently owe, either to a lender or credit card company. It contributes 30% to your FICO score, and it is recommended that your credit utilization be no more than 30% of your total available credit.

In today’s times, Keto is one of the most popular diets everyone seems to be following to stay fit and healthy. The diet doesn’t focus on starvation of any sort, but instead, encourages the process of ketosis, which is the body burning fat for energy. While you may know what you eat while following Keto, it may be difficult to ascertain what not to eat. There are countless foods you should completely avoid if you wish to take this diet seriously, and enjoy its optimum benefits. We have compiled for you a list of key foods that you must avoid on a keto diet. Take a look. Bread This staple food is extremely high in carbs and must be avoided at all costs. Try to make your version of low-carb loaves at home or limit your bread intake to one sandwich every now and then at most. Selected fruits Apples, bananas, oranges, pineapples, and grapes contain very high levels of sugar and carbs. Avoid all pre-packed fruit juices and dried fruits like dates and dried mangoes too. Starchy vegetables Keto does not allow the consumption of all vegetables. Potatoes, corn, yam, parsnip, peas, and cherry tomatoes comprise a high level of starches, which is a strict no-no for keto diet followers.

Preparing snacks for kids can be challenging as they can be really picky eaters at times, and more so when you try to feed them something healthy. And with so many options for junk food available, it can be tough to get them to eat healthy foods. What is the solution then, you ask? Try recipes that feature everyday ingredients cooked and presented in a unique manner. Here are four such recipes that will definitely (and pleasantly) surprise your children. Peanut butter, apple, and jelly sandwich What can you possibly make with peanut butter, apple slices, and jelly? How about an amazing apple sandwich! All you have to do is core an apple and cut it horizontally to get uniform slices, and your base for the sandwich will be ready. Now take a generous spread of healthy peanut butter—you can use the crunchy variant for more texture—and spread it evenly on one slice. Apply a layer of your child’s favorite jelly on the other slice, assemble all the ingredients, and voila! Serve this with a side of crackers to bring a wider smile to your toddler’s face. Baked sweet potato fries Worried about your children eating too much junk food?

If you have more choices, it gets difficult to narrow down the list. And with cars, there’s a long list of features that need to be compared. And if you’re looking for a family car, safety ratings always top the requirement. SUV is the top choice among families, so we’ve listed below 5 SUVs with best safety ratings that will help you narrow down your list and choose the best. Acura RDX This crossover by Honda falls under the luxury category of cars with the Top Safety Pick designation from IIHS and overall five-star rating from NHTSA. The AcuraWatch suite includes driver-assist features like corrective steering assist, adaptive cruise control, lane departure warning, forward collision warning, and collision mitigation braking. If you’re looking for an SUV with the best safety ratings for your family, this one perfectly fits the bill. The large infotainment screen and the clever storage option are a big plus for a family car. Mazda CX-3 Mazda CX-3 is a subcompact SUV but is big on safety features. Earned five-star rating and Top Safety Pick from IIHS, and a five-star rating from NHTSA, the 2020 Mazda CX-3 boasts of many additional features. Lane-departure warning, cross-traffic alert, adaptive cruise control and headlights, emergency brakes and i-Activsense driver assistance suite are the top features of the CX-3.

Autopiloted or autonomous vehicles, call them whatever you like; self-driving cars are the future of automobile technology. These cars are not only limited to torque, horsepower, and mileage but also provide smartphone and Internet connectivity, auto parallel parking, and collision-prevention technology. While prototypes of completely self-driven cars have been developed by leading tech companies, commercialization of this concept is yet to see the light of the day. Here are most innovative semi-autonomous self-driving cars that are setting benchmark for the future. Mercedes-Benz S65 AMG Coupe This is a semi-autonomous or self-driving car that comes with one of most efficient drive-assist technology. The vehicle also senses both nearby and significantly distant traffic and consists of a camera embedded on the grill right beside the Mercedes emblem. The Mercedes-Benz S65 AMG coupe is also loaded with a windshield camera and radar pointing in five directions. So, the vehicle does not only automatically stays in the lane but also keeps the passengers and drivers safe from front-end collisions. BMW 750i The automobile giant has rolled out the active driving assistance in its 7-series models. The luxury sedan comes with lane departure warning and front-end collision prevention technology, and a pedestrian alert system. The BMW 750i stands out from its competitors with smart city cruising.