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When & How to Freeze Your Credit Report

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An effective means of preventing fraud, freezing your credit report prevents usurpers from opening new accounts in your name — even if they have access to your personally identifiable information.

With that said, the iniquitous can still use your credit card numbers if they get hold of them and they can file fraudulent tax returns and insurance claims as well, so you’ll need to protect yourself against those just the same.

Still, understanding when and how to freeze your credit report is a worthwhile undertaking, so read on.

What A Credit Freeze Does

Filed with each of the big three credit reporting agencies (Experian, Equifax and TransUnion), a credit freeze requires you to grant access for a specific time period to anyone seeking to view your credit report. In other words, nobody is allowed to see your credit report unless you specifically inform the reporting agencies you’d like to make your reports available for that purpose.

Keep in mind though; this can also work against you if you forget to lift the freeze when you submit a credit application. Granted, it’s a temporary inconvenience at best, but it’s a potential inconvenience nonetheless.

How to Freeze Your Reports

Requests must be filed with each of the reporting agencies individually and all of them have a slightly different process through which you must go. However, commonalities among the three include the provision of your Social Security number, a photo ID and proof of residence.

Afterwards, you’ll be provided with a personal identification number to make lifting the freeze easier when you want your report reviewed.

Freezes can be accomplished free of charge.

The contact information you’ll need to put yours in place is as follows:

Equifax
Equifax.com/personal/credit-report-services
800-685-1111

Experian
Experian.com/help
888-EXPERIAN (888-397-3742)

Transunion
TransUnion.com/credit-help
888-909-8872

Online requests are processed instantly, phone requests can take an hour or so. You can also file requests by traditional mail. However, you’ll have to wait a few days for it to go into effect.

When to Institute a Freeze

Most people only think to freeze their reports after an instance of fraud. However, the best time to do it is now. What’s the point of closing the garage after the car is stolen?

With that said, requesting a fraud alert instead can provide sufficient protection. This also has the advantage of giving creditors access to your reports without any extra efforts on your part. Moreover, the other two bureaus are notified automatically when you request a fraud alert, which is not the case with a credit freeze. However, it should be noted fraud alerts must be renewed on an annual basis — freezes do not.

Credit Freezes and Your Credit Score

Putting a freeze in place has no effect on your score other than preserving it from being damaged as a result of fraud. However, this can also have a significant impact on your finances in general.

A particularly egregious breach of your security resulting in credit card fraud could leave you mired in debt with little access to credit as well. In cases such as this, availing yourself of some form of credit card debt relief can be an effective means of helping you to get your finances back on track.

Understanding when and how to freeze your credit report could save you from suffering through an instance of credit card fraud. It’s also useful to review your credit report regularly just to keep an eye on things. You can get free copies of each of your three credit reports at AnnualCreditReport.com.

 

Hello All! My name is Chris and I am a 32 year old entrepreneur that has always been fascinated with anything that is different from the everyday norm . Lately, it has been hard to keep up with everything, whether it's cool and weird places to visit, or new bands that are creating different sounds.

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Beginner’s Guide to Throat Hits in Vaping

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As a beginner in vaping, there is a lot in store for you. Surprisingly, it can be overwhelming attempting to grasp all these things at once. But don’t worry, having the best experience comes with time. Among the things you need to know include using the best e-juices on the market, buying a starter kit, learning how to maintain your device for the best experience, and now, understanding how to get the best throat hits.

For now, let’s focus more on the throat hits and how to get the best as a beginner. Seasoned vapers may have learned a lot about this and are already enjoying the throat hits of their dreams. As a novice, it all starts by knowing what a perfect throat hit feels like. Let’s go.

What Is a Perfect Throat Hit?

Simply, this is the feeling you get when the vapor lands on the back of your throat. At first, you might not be able to identify the difference between different throat hits, but with time, you will know. Those who just ditched conventional smoking have an idea since cigarettes work in the same way. But they also need to know what a vapor throat hit feels like.

Throat hits are determined by different factors that we are going to see shortly. They range from the device you are using to how you vape. Again, you need to appreciate the feel of different throat hits. There are strong hits and weak hits, and it is typical to desire either of them at different times.

What Determines a Great Throat Hit?

  •  The settings of your device – Vaping devices come with different features as you can see when you click here now. Some of the basic settings determine the throat hit that you will get. Turning up the power and increasing the airflow automatically lead to a strong throat hit. As such, you can regulate these two major settings until you get the desired hit.
  • PG or VG – By now you already know that e-juices use either propylene glycol (PG) or vegetable glycerin (GV) as the base. It has also become common to mix the two. When the PG concentration is greater in e-liquid, you will get stronger throat hits. So, choose your juices well.
  •  Nicotine levels – Well, beginners might have difficulties deciding on the nicotine levels to start with. But if you want to have strong hits from the beginning, you probably need to choose high levels of nicotine. If you are not up for this, increase it gradually from low to high to eventually reach this level.
  • Vaping style – Believe it or not, the vaping style will determine the throat hit that you get. Most beginners inhale and exhale the vapor without holding it inside. This denies them the opportunity to get a throat hit even when implementing all the favorable factors discussed above. But with time, you will learn the trick.

Conclusion

Strong throat hits are not for everyone. Beginners may have a difficult time reaching this great experience, but over time, they will get there. Strong throat hits are addictive, but you can rest assured that your vaping experience will never be the same again.

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3 Reasons You Keep Waking Up Tired 

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Do you know why so many people start off the day feeling grumpy and in need of copious amounts of caffeine? It’s often because they didn’t get enough sleep even though they went to bed early enough to get a full 6-8 hours of sleep. When it comes to sleep, the human body is highly sensitive and your sleep suffers anytime there’s a slight change to your environment or habits. 

We all know that sleep is probably the most important part of having a healthy lifestyle and a healthy body, but it’s also been well-documented that for a large portion of our population, a good night’s sleep is a luxury. It’s one thing not to get enough sleep on one occasion, but when you find yourself having that struggle constantly, and it’s not a physiological cause, something in your sleep environment is amiss. Here are some of the things in your environment that are in conflict with achieving quality sleep and what you can do about them. 

Window Treatments

Did you know that your body is highly sensitive to light, and that it has its own automatic system for when it wakes up and when it starts to wind down? Having a dark room is a key part of you being able to fall asleep and stay asleep, and if you have curtains that let too much light in, that can disturb your sleep patterns. It’s all good and well when your curtains let in the light when it’s dark, but in the early morning hours when the sun starts to rise, curtains that let in light can make you wake up earlier than you should, leaving your body lacking precious sleep. This is why it’s important to invest in a good pair of blackout curtains. They give your body consistency in lighting conditions throughout the night and even in the early morning so you don’t interrupt your own Circadian rhythm. You may not think that you’re sensitive to light, but your body’s sleep clock certainly is. 

Devices

We live in a distraction-heavy world, and none is as present as our phones. With phone notifications beeping and buzzing throughout the day and night, it’s no wonder that getting a really good night’s sleep is slipping through the fingers of many. Even people who sleep like logs can be woken up by notifications in the middle of the night and this can make it hard for the body to truly wind down into a deep sleep to get the rest it needs to rest, recover and rejuvenate. If you bring that distraction into your own bedroom, either the notifications or the blue light will disrupt your sleep. It’s better to have your phone far away when it’s sleep time. 

An Inconsistent Sleep Routine 

The older you get, the more your body relies on routines and schedules to function optimally, and this is especially true for sleep. Not having a set sleep schedule is unhealthy. It can set you up for always being tired, groggy and cranky. When you have set sleep and wake up times, your body starts to function on that cycle, and your own internal clock will adjust accordingly. That means you’ll also start to feel sleepy at the same time each day, and you’ll also be able to fall asleep and wake up on schedule. 

If your body is on a constantly changing sleep schedule, it’s going to be hard for that internal clock to sync up, and for you to fall asleep and wake up at certain times. If you don’t have a set schedule you’re going to have inconsistency, where you’ll get a lot of sleep one night and very little the next. With that routine out of whack, your body will always be playing catch up, throwing everything else off. To solve this, adopt a strict sleep schedule and habits around it, whether it’s switching off your television, getting into bed at certain times or implementing relaxation techniques. The more you nurture a routine, the more predictable and fine-tuned your sleep becomes. 

Remember, without quality sleep, every other area of our health will start to decline. Our diet will suffer, we won’t have energy for our hobbies and interests, our mental focus and sharpness suffers, along with our work and even our relationships. By dialing in your sleep, you do yourself a huge favor that will have a massive payoff, the very least being you actually waking up bright, happy and ready to tackle the day every single morning. Make a few changes and you’ll see your entire life change for the better. 

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Gambling Laws in the US – How to Get a License?

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Four main laws can be quoted when it comes to regulating gambling in the
United States of America. Though restricted gambling markets have generated
huge revenues in recent years. In the US, some states unlike others, have
legalized the practice of betting within their borders.

US Gambling Laws

The first in this kind is the interstate wire act. Enacted in 1961, the wire act is
also known as the federal wire act. According to the wire act, online sports
betting is authorized but the practice still remains under strict restrictions.
Anyone who engages in gambling business or uses communication facilities
with a clear intention of making money is punishable by law. This legal
instruction makes provision for either two years imprisonment or a huge
financial fines.

The second law which falls under the same scope is illegal gambling business
act. Established to control organized crime in the gambling market, illegal
gambling business act, later, became part and parcel of the organized crime
control act of 1917. This law, like the previous one, sought to keep track of
criminal sources of income.

Another regulating law of gambling in the US is the interstate wagering
amendment. The difference with this particular one is that it was mainly voted
for lottery establishments. It stipulates that any organization needs permission
from the state government to run a lottery or face the hardness of the law.

The last law adopted to regulate gambling in the US is unlawful internet
gambling enforcement act. This law came into existence in 2006. The sole
purpose of this law is to regulate gambling laying emphasis on two main points.
Going by this law, anybody playing online gambling is no longer a criminal.
Besides, it went ahead to legalize the operation of a gambling website. Though

the US gambling market flourished under this law, some restrictions or
prohibitions are still to be scrupulously observed.

Requirements for a Gambling license Under US Laws
Before we proceed to discuss the steps to be followed in getting a gambling
license, it is of prime importance to define what a gambling license is. In simple
terms, a gambling license is a certificate of authority issued by a licensing body,
prior to the opening of a betting place.

Any organization that aims at starting a gambling business is obliged to have it.
In other words, gambling license is mandatory under US gambling law. The
requirements for the delivery of a gambling license depends on either the
licensing authority or on the country concerned.

In order to have a certified license under the US law, here are the steps to be
followed to the letter. The first condition to be fulfilled is the proof of honesty
and integrity by bosses and employees of any given company. Issuing a license
is something crucial. That is the reason why the licensing authority cares about
the mindset and character of people asking for this document.

The third requirement in this process is the disclosure of details regarding
everyone related to the said betting place, including the proprietor, partners and
other associates. This information is to be completed by details like employment
as well as criminal record on specific individuals within the organization. The
procedure of getting a gambling license is very strict, given the attractiveness
and the competitiveness of the US gambling market.

Online gambling market earns benefits in billions per year. As a reminder, 24%
of all online gamblers in the whole world reside in North America. The US
bookmaking market flourishes like wildfire. Gambling places like Unibet
Pennsylvania is an example of a bookmaking environment which made the US
betting market a renown one.

The Importance of a Gambling License in the US

It has been observed that when gamblers choose an online casino, they focus all
their attention, on game selection, bonus offer and so on. By so doing they lose
sight of an essential aspect which is safety brought about by licensing. Without
an online casino being licensed to a reputable authority, the safety and security
of gamblers at the online site is at stake or in danger.

First and foremost, to get green light and operate in the gambling sector, some
high standards must be met. The said exigencies are in relation with security,
safety, fairness not forgetting the quality of services offered. It means that a
number of guarantees have to be presented by an online casino before being
chosen by gamblers.

Understandably, if an online casino is to be trusted and respected, it must get a
license from a high-profile institution, inspiring confidence. It is only when
casino operators meet the requirements by a reputable licensing authority that
they get the go ahead. It should recall that not all licensing bodies have the same
conditions for operating in the US, but they aim to achieve almost the same
goals.

The Flourishing American Gambling Market
Gambling has spread all over the world, but the US gambling market seems to
be in the lead worldwide. Without a doubt, gambling industry is booming on
American soil. It is not a secret that the United States is home to two most
famous and notorious gambling cities in the world.

Las Vegas and Atlantic City are towns where sports gambling witnesses spikes
in the numbers of customers. Between 2017 and 2018, revenues for most areas
increased substantially. Commercial casinos went from 41.2 billion dollars up to
51.4 billion dollars. As for tribal casinos, they grew from 21,945 billion dollars
to 32,801 billion dollars.

From the figures above, it becomes pretty clear that legal gambling flourishes in
the US. Las Vegas, of course, is the greatest contributor to these figures. This
city alone generated 6.59 billion dollars, while Atlantic fell behind with only
2.51 billion dollars. It is true that each state of the United States contributes its
quarter to the growth of the US gambling market.

Nevada has led the way, thanks to Las Vegas. Arkansas equally witnessed an
increase in most casinos. The trend is almost similar in the other states. We can
say that sports betting delivers a big boost with individual states regulating
gambling practiced on their soil. It goes without saying that the US gambling
market is the number one sport betting in the world.

As a summary, there are four laws regulating the US gambling market system.
The US gambling market has come a long way before its explosion into
surpassing any other market in the world. For one to run a bookmaking business
under the US law, different steps are clearly spelt out. Authorities in issuing a
gambling license want to keep track of betting operations on the entire
American territory.

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How to Evolve Your Holiday Plans for 2020

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The holiday are nearly upon us, and this year is proving to be more unique than years past. With the pandemic still going on, many of us have needed to alter our usual plans throughout 2020, and the holidays will likely be no exception. Here’s a few ways to enjoy your socially distanced holiday season, no matter what the rest of 2020 may bring.

Personally, I love throwing holiday parties, but I’ve needed to change my plans with everything going on. I have found 2 ways to throw a safe, successful party. The first way to invite 10 or less people. Although I usually invite more (many more) people, I’ve found there are perks to having less people at my house. There’s less mess to clean up afterwards, less drinks and snacks to buy, and shyer guests tend to come out of their shells a bit more. It’s a nice change to having 30 or more guests at my place. So don’t cancel your party plans, just shorten the guest list!

If you’ve got a bunch of people you simply must invite to your party, then make it virtual. I recently attended a family reunion over video chat, and it was wonderful! Everyone in the family was able to go because no traveling was involved. It was great to chat with family in Tennessee, California, and Texas. We never would have been able to meet up in one physical place, so meeting up virtually was the perfect solution. I got to see people I haven’t hung out with in years. I plan on throwing a virtual Christmas party in December with friends that live out of town. Take advantage of the technology we have now and throw a party online. You and your loved ones will have so much fun!

Another way to celebrate the spirit of the season is to send out holiday cards. I send out cards every year, and quarantine or no, this year will be no different. You can take your photos in your backyard or a large park so you can get the shots you need while staying safe. Like me, you may be at a bit of a loss for what family updates to give considering how long we’ve all spent in quarantine. If you can’t decide how to sum up 2020, just make a joke about the past year instead. Your loved ones will appreciate the joke. I always get my holiday cards from Basic Invite. I really like how you can create holiday cards on their site by customizing the layout and font on all of the cards. You’re sure to find just the right card for you.

A final way to celebrate the holidays this year is to take time out for yourself. This past year has been stressful for us all, and with everything going on, you may have had less time for self care than ever before. No one wants to get sick, especially right now, so do yourself and your family a favor and take a break. Rest will help you stay well and lessen your anxieties. Your health is just as important as everyone else’s.

Despite everything that’s happened, I hope you all end the year with a bang! Take care of yourself, send out holiday cards, and throw a socially-distanced party for you and your friends. Stay safe, stay healthy, and happy holidays!

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A Few Options For Traveling This Autumn

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The pandemic has changed lives for quite a bit of people over the past couple of months. People are thinking about how to change their lives and adapt to the new situation.

Everything was normal or similar to the previous day in March, and then it changed once the White House made an announcement. That is when we saw Coronavirus testing and measurements rise in many countries in the world.

Each country took varied but generally similar approaches to others in dealing with the situation, and the residents of each country had to go along with the mandates put forth by the state.

Fast forward a few months, and we are still in a state of uncertainty about travel plans and figuring out how to live in this world today. We ask ourselves, should we go to that wedding or for that event? Should we adjust our shopping habits and other practices to minimize our interactions with pandemic related problems?

Corporations to governments are looking at ways to implement work from home for the long-term and minimize potential risks to their employees.

Meanwhile, you, me, and everyone else are adjusting their plans for travel and thinking about how they can still enjoy their lives and make the best out of this situation. People seek to connect with their families and build relationships or search for the past.

Of course, we think this situation will progress into 2021 and last until the end of that year. What do we do? Are we supposed to go on a pause? Freezing of our lives?

Thankfully, no, we can still travel and move but maybe not in conventional ways.

Practice Caution While Traveling

The first point is to travel in ways where you do not have to assemble with a host of other people. How can you do so? The answer is quite simple; you can travel by car.

The beautiful aspects of traveling by car enable you to genuinely appreciate each part of the trip with the people you travel with on the journey.

The remarkable aspect of traveling in your vehicle and heading off to outside destinations minimizes the possibility of transmission. That is why experts suggest that partaking in outdoor activities like walking, hiking, or other can certainly be possible if done safely.

Experts would also suggest wearing masks, carrying hand sanitizers, and practicing safety cautions while heading into outdoor destinations.

Road Trips and National Parks

You have several options when thinking about where to go and what to do for your fall trip. The first one is to go on a road trip throughout different states and head to your specific destinations.

The second option is to explore your favorite national parks. I prefer the latter option because it enables you to dive into something intriguing and fantastic.

We are busy in our lives and forget about the great outdoors and what it has to offer to us. That is why I’m happy that we have the time to invest in national parks and see what our great country has to provide us with a broad base of natural scenery.

Don’t forget to pack your safety gear and ensure to have fun!

 

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What Benefits Do Soft Starters Offer?

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Soft starters are a mechanical device designed to be used along with motors that help reduce the load and torque temporarily during startup. It applies increasing voltage to the motors gradually that result in its consistent acceleration and coupled load.

It is also responsible for providing linear power slope to facilitate smooth acceleration that diminishes excess wear on mechanical parts of the machinery and reduces the inrush currents. The soft starters have the ability to adjust the acceleration duration as well as the starting voltage. This can be adjusted as per the specific application.

Applications

Soft starters are normally in applications where speed and torque control are needed only during the startup. The mechanical system needs a soft start to relieve tension associated with normal startup operations such as conveyors, gears, and belt-driven mechanisms.

Mostly, the soft starters are installed in fan and pump applications. However, they can also be used for a variety of other motor applications that do not need speed control.

Some industries where soft starters are commonly used include:

  • Rubber and plastic
  • Sugar plants
  • Cement industries
  • Textile industries
  • Steel industries (Rolling mills and processing lines)
  • Paper and pulp
  • Water supply scheme

Additionally, they are also used in pumps, compressors, crushers, mixers, grinders, etc.

Benefits of Soft Starters

Soft starters are usually a cost-effective option for applications where space is limited as they normally take up less space than frequency drives.

Some of its benefits are listed below:

  • Soft starters are useful because they ensure smooth and consistent starting by controlling the torque for the gradual acceleration of the drive system that helps prevent the jerks. This not only extends the mechanical life of the machine parts but also reduces the need for maintenance.
  • Soft starters also help in reducing the start current significantly that helps the current in achieving break away. Also, it reduces the current flux/fluctuation during acceleration. They play a huge role in avoiding mechanical, electrical, and thermal weakening of the electrical equipment such as motors, switchgear, and transformers.
  • Soft starters also come in a microprocessor version that comes with a software-controlled response at full speed that allows the mechanism to monitor energy flow.
  • Soft starters also facilitate a self-monitoring feature known as power factor correction. As such, when the motor is running at less than its requisite load, the relative component of the current drawn by the motor can be excessive due to magnetizing losses. As a result, the voltage related losses are negligible.
  • They help in applying voltage or current gradually without the use of transients. Therefore, they are able to maintain precise control over the current limit.
  • Soft starters help reduce power surges that can have a long-term impact on machines’ lifecycle and their components.
  • It helps in reducing energy costs
  • The acceleration time is possible to adjust with the help of soft starters.
  • It also allows you to easily adjust the start performance to suit the specific motor and load. Besides, soft starters also help enable smoother acceleration without the torque transients.
  • Due to Reduced heating of the motors, they are able to increase their operational efficiency significantly. At the same time, it is also to increase the number of starts per hour with the help of soft starters.
  • You can get almost guaranteed performance, even if the load characteristics differ between starts.

As you can see, the soft starters are highly adaptable and thus can be used across multiple applications in motor controls. The benefits of them as part of motor controls give you not only enhanced equipment life but also seamless production that translates into cost and time savings.

If you want to learn more about soft starters, be sure to discuss with an experienced service provider who can evaluate your situation and recommend the best solutions as per your requirements.

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