In the present times when credit cards offer us great flexibility in terms of buy-now-pay-later schemes, it is extremely important that you use your credit card wisely. Here are some ways to ensure that using credit cards works for you instead of against you.

How to Use Credit Card Wisely?

The initial step to using credit card wisely is to keep a check on your spend. Just because you have a line of credit, does not mean that you spend indiscriminately. It is extremely important to keep careful track of what you spend and ensure that you aren’t making purchases that exceed your available income.

From the time you swipe your card till you make your payment, credit card companies give you between 30 and 45 days. However, it is vital that you pay all outstanding dues on or before the date specified so as to not incur interest and penalties on late payments or defaulted payments. Defaulting on payments can also adversely affect your credit score. The ultimate goal of using credit card wisely is to keep your credit score in good health.

Best Way to use Credit Card

To use credit card wisely, practice paying your dues in full. Although your card statement will tell you the minimum amount due, it is not advisable to keep paying on this minimum due as you will be levied heavy interest on the unpaid amount still outstanding, a sum that will only compound month on month, possibly running you deeper into debt. If making the monthly payment is difficult, you could negotiate with your card issuing bank to offer you a lower monthly interest rate so that you can make larger payments whenever possible.

When setting a credit limit, do not be lured into setting credit limits that are very high and that might cause you to spend far more than you can actually afford to. As a rule of using credit cards wisely, spend and pay wisely.

 

Handbags and wallets are accessories that women love to carry when they step out. Handbags come in a variety of materials and sizes. When you go shopping, you get to choose between handbags made of synthetic and leather. Which is a better option? Well, if you want your handbags to last longer, then go for leather handbags because they can withstand rough use and scratches and scrapes will not be visible. Leather is known to be the most ideal material for handbags and wallets because it is strong and resistant. A leather bag can protect the contents of the bag more securely than the synthetic ones. So, what makes the leather bags so appealing? Here are some of the advantages that a leather bag comes with: Ages gracefully: The best thing about leather is that it gets better with age. With time it becomes soft and tans deeper, bringing an intensity to the color of the leather skin. Natural Scent: Leather bag smells pleasant with its natural scent whereas synthetic bags give out of chemical odors releasing toxins due to the manufacturing process. Durable: Leather bags are more durable than synthetic bags. When you purchase synthetic bags, you will find them wearing out in 6 months and you have to buy a new one. But leather bags are durable and with proper maintenance, you can use them for years together. Even if there are small damages, you can get it repaired with little cost. Flexible: With regular use, synthetic bags get damaged. But leather bags become better with frequent use. Dooney Bourke Outlets Handbags: Fashion designers at well-known brands make handbags that hardly ever go out of style. Dooney Bourke is one of the leading American manufacturers of designer handbags and fashion accessories. The handbags in their American style leather collection are handcrafted and are available in classic designs. Dooney Bourke Outlet Handbags are popular for their quality and durability. Usually, designer leather handbags or wallets can be pretty expensive. However, if you can make a purchase at a factory outlet you can get a decent deal. So, when you are thinking of purchasing a beautiful Dooney and Bourke handbag, shop at the Dooney Bourke factory outlet near you and enjoy a good discount on the actual price. You can find factory outlets of Dooney Bourke all over the United States. Other than factory outlets, you can find the products of Dooney Bourke at prominent stores like Macy’s, Lord and Taylor and Dillards. Features of Dooney Bourke Outlets handbags: As the Dooney Bourke Outlets handbags gained popularity, many fake versions started to flood the market. Every designer brand has its own signature features that make them unique and different from others. And that’s what makes them so expensive and stylish. Some of the authentic features of the Dooney Bourke Outlets handbags are as follows: Leather: The Dooney Bourke Outlets handbags are made of genuine vachetta leather. You can find high-quality trim, piping, and accents on the handbag. Tag: Most of the Dooney Bourke Outlets handbags have red, blue and white tags. The tag is usually sewn inside the bag and has a serial number. Some of the vintage bags have a green colored tag sewn in them. Craftsmanship: The products are appreciated for their craftsmanship. High-quality stitching is a hallmark feature of Dooney Bourke handbags. The handbags also have Dooney Bourke logo embossed on most of the bags. Find an authentic Dooney Bourke handbag or wallet and make your style statement loud and clear wherever you go.

For people who take joy in cooking, the kitchen is often the most comforting place in their house. Cooking aficionados like to experiment with cooking styles, try out new recipes, invite guests, and share the warmth of dining in the company of loved ones. A well-planned kitchen can be bliss for those who love to cook. However, if you don’t have the right equipment to take care of different cooking needs, the time spent in the kitchen seems long and tedious. If your current oven doesn't broil, bake, and roast evenly, it is time to upgrade. Wall ovens are an excellent investment for people who love to cook. Following are few pointers why investing in a wall oven is a good idea.

Easy installation

Most wall ovens available in the market can easily fit into the modern kitchen layout. However, pay careful attention to cabinet cut-out dimensions and those of the model you are looking at. Often, there is a slight difference between the mentioned size and the actual usable area. Some people actually take their largest baking tray to the store and see if it fits in perfectly before sealing the deal. That’s not a bad idea at all! Better safe than sorry.

Usable space

Common options for electric wall ovens range from 60cm-wide models and going to up to 90cm. A standard gas oven is also about 61 cm-wide. Double wall ovens take up a lot of space. However, if you regularly cook for parties and events or have to feed a large family, then this is a good buy. You can cook that turkey for Thanksgiving as well as a couple of other side dishes if there is enough usable space and if the model offers a flexible arrangement of shelves to accommodate different-sized cooking plates at one go. For small families, single-unit wall ovens will do just fine. If your current oven doesn’t meet your needs anymore and your eyes are set on a new buy, making few changes in the layout will be worth the ease of cooking that comes with a wall oven.

Variety cooking

Good wall ovens come with the latest features that allow you the flexibility to cook many dishes at a time and experiment with different cooking methods. With a bigger model, baking larger cuts of meat or seafood and large batch baking is possible.

Features to look for in a wall oven

Popular features in good wall ovens are sabbath mode, delay-start and keep-warm modes, fan grill, pizza mode, built-in temperature probe, timer, an audible preheat alert, and self-cleaning function. Hi-end wall ovens feature apps that also sync with your smartphone! Having many features is fantastic, but ask yourself how many of these features you will need to use regularly. If you get confused with too many options and are comfortable with what you know best, forgoing a feature or two on a product to focus on what you really need is a great idea. The convection mode is popular because it circulates air in the oven cavity. It allows faster cooking and is especially good in the case of large meat cuts. However, this mode may not be ideal for baked items. If baking is your passion more than anything, you don’t really need to insist on having this feature in your new wall oven. Hi-end wall ovens also have a smokeless or anti-splatter function. It is a perforated cooking plate to stop the fat from splattering inside the machine. The traditional steam-cleaning function in older models has been known to take a long time and leave strange odors afterward in the past. However, with the innovations and design upgrades in the latest wall ovens these days, the cleaning cycle is as less as 30 minutes. A hi-end machine will not produce toxic fumes either. However, the feature only takes care of light cleaning needs and if the oven is regularly used for meats and gravies, the splattering may make this function redundant unless you have invested in an anti-splatter plate as well.

Carotid arteries are two large blood vessels that supply oxygenated blood to the brain and other main parts of the body. You can feel the pulse of carotid artery which is situated just below the jaw line. Also known as carotid artery stenosis, it is a condition in which carotid arteries are narrowed. Before we head on to find out the signs of carotid artery disease, let us look at some of the causes of the same: Carotid artery disease is usually caused due to deposition of fatty substance and cholesterol, narrowing them. As a result, the blood flow to the brain decreases. This can cause a person to suffer from a brain stroke or a "brain attack". This occurs when blood flow is cut off from the part of the brain. Signs and symptoms of carotid artery disease:

• Carotid artery disease does not have any specific symptoms. Three of the main signs of carotid artery disease include: Bruit, TIA (Transient Ischemic Attack)
• Bruit Bruit is diagnosed when a doctor uses a stethoscope to listen the patient's heartbeat. If they hear a whooshing sound, it is referred to as bruit. The sound suggests that there is a change in the blood flow due to deposition of cholesterol on the walls of carotid arteries. The doctors will suggest some tests that will confirm the condition.
• Stroke It causes brain damage that lasts longer than usual. The brain damage can lead long-term disability, vision and speech problems and even paralysis. In extreme cases, it can even cause death. Most people suffering from strokes do not get mini-strokes as a warning sign, which makes the condition even more serious.
• Transient Ischemic Attack (TIA) Transient Ischemic Attack is also called as "mini stroke". This is actually the first sign of carotid artery. The symptoms are usually similar to that of a stroke. The only difference is these symptoms lasts not more than 24 hours. Hence the name "mini stroke". The symptoms of mini stroke include sudden, severe headache with unknown causes, loss of balance, Dizziness, Inability to move your limbs (partial paralysis), trouble seeing with both the eyes. Weakness or numbness in face and limbs (or just one side of the body), loss or inability to understand speech.

Getting treatment for these above-mentioned symptoms is very crucial, as their diagnosis will deduce the underlying disease, in this case, coronary artery disease. There are good chances of full recovery if a blocked artery is treated within 4 hours of the onset of symptoms. Learning the signs of coronary artery disease will allow one to lower the risk of brain damage or even death due to these symptoms.

The most obvious use of ceiling tiles is to enhance the beauty of your home dcor by giving it a nice finish. But for some people ceiling tiles can have a little unconventional usage. After all, why restrict the usage of ceiling tiles when you can do so much more from them? Interior is all about being creative and ceiling tiles could also be used creatively. Faux column Whether you want to have faux columns inside the house or outside, they will always add to the beauty of the house. Faux columns give a rich look and that makes most people want it in their house. Unless you have a cylindrical shaped faux column, you can use ceiling tiles on the outside section of the pillar. If you have a cylindrical pillar, you can add the ceiling tiles on top and bottom of the column to give it a nice finishing. Wall dcor We all have one wall in the house, and especially in the living room, that we want to beautify. Usually people change the texture of the wall or put a different color there, you can also put ceiling tiles in place of a wallpaper or anything else to add the dcor there. Depending on your interior, you can either choose something that is very subtle or something that catches attention. Either way, it will be a perfect wall dcor and will make your wall stand out. Flooring If you don't want wooden flooring in some parts of the house, or any other floor tiles, ceiling tiles can come for a rescue. Ceiling tiles can be modest and fancy, both. If you want to give a fancy touch to your room, you can put fancy ceiling tiles there. It is always great to have one room different than all the other rooms in the house. Ceiling tiles can also be used in bathroom flooring. However, make sure the tile you choose to put in the bathroom flooring are not too slippery and you can manage and maintain the flooring. Skirting We usually go for simple skirting around the house and that has worked well. But a simple house with simple interior can have an edge with ceiling tiles used for skirting. Fancy ceiling tiles can complement the simple interior of your house. You might have to either choose those ceiling tiles that are the right size for skirting or you can have them cut the ideal size for the same.

Every morning, you may begin your day by brushing your teeth and repeat the same routine before going to bed at night. However, do you pay as much attention to your gums? Unhealthy gums can cause a number of problems, including the loosening of teeth until they eventually fall off. Thankfully, gum disease treatment is easily available and can help prevent this from happening.

Gum disease treatment can be surgical or non-surgical. This depends on your overall health and your body's response to earlier treatment. In most cases, surgical treatment is resorted to, only if non-surgical methods do not show much improvement.

Non-surgical forms of treatment for gum disease include:

• Professional dental cleaning
  This is more a preventive measure than treatment and involves the removal of plaque and tartar from above and below the gum line of the teeth. Regular brushing does not help remove this plaque build-up and hence if you display signs of gum disease, a professional clean-up is usually recommended twice a year.
• Scaling and root planing
  If you have a lot of tartar under your gums, your dentists may recommend this procedure. For scaling and root planing, the patient is put under local anesthesia and the plaque and tartar are then scraped off the tooth surface. Any rough spots left on the teeth are then smoothed out by planing the teeth. This gives the gums a smooth surface to reattach themselves onto.

If the tissue surrounding the teeth is unhealthy, surgical treatment may be recommended. The most common types of surgical treatment for gum disease are:

• Flap surgery/pocket reduction surgery
  This involves lifting the gums to remove tartar underneath them. If the bone tissue under the teeth has been damaged, the surface may be smoothed out to reduce bacterial access. After cleaning, the gums are refitted snugly around the teeth, thus reducing the risks of complications arising from periodontal disease.
• Bone grafts
  Advanced stages of gum disease can damage the bones below the teeth. In cases of severe damage, fragments of the patient's own healthy bones, donated bones or synthetic bones may be used to replace the damaged bone as a graft. This allows the bone to regrow. Tissue engineering can further help speed up the process of bone and tissue regeneration.
• Soft tissue grafts
  This involves reinforcing thin gums or spaces left behind by gums that have receded with tissue from the roof of the mouth.
• Guided tissue regeneration
  If the jaw bones supporting your teeth have been severely damaged, a small piece of fabric may be inserted between the gum tissue and bones to keep the soft tissues from expanding into the space left behind by the damaged bone. This procedure is usually performed along with a flap surgery.