Secured credit cards are a helpful tool for people with bad or limited credit. They also help finance day-to-day purchases while rebuilding the credit. Getting secured credit cards is easy as they have lenient approval requirements. The best secured credit cards also have low annual fees, and minimum deposits, and offer significant rewards on spending. Below is a list of some of the best secured credit cards and their features.

Discover It Secured Credit Card
Discover It is one of the best secured credit cards because it has no annual fee and, instead, offers 1 to 2% cashback on purchases. It requires a relatively low minimum refundable security deposit of at least $200, and an added feature of this card is the cash reward provided after 12 months from the registered period. Also, after a period of responsible use, automatic reviews determine if your card can transition to an unsecured card.

Citi Secured Mastercard
This card is ideal for beginners with limited or no credit and has no annual fee. The Citi Secured Mastercard requires a minimum security deposit of $200. Through its monthly reporting to all three major credit bureaus – Equifax, Experian, and TransUnion, the card helps you build your credit history. Though it does not offer any rewards, the Citi Secured Mastercard can be used all over the world.

Capital One Platinum Secured
Compared to other secured cards, the Capital One Platinum Secured requires a lower deposit. Usually, the credit line is as big as a security deposit, but with the Capital One Platinum Secured card, some applicants with better qualifications may get the initial credit limit of $200 by paying a deposit of $49 or $99. Customers can also pay the security deposits in installments instead of making the payment in one go. No annual or foreign transaction fee further makes it one of the best secured credit cards in the country. 

U.S. Bank Secured Visa Card
People with fair credit can get the U.S. Bank Secured Visa Card to build their credit score. It requires a minimum deposit of $300 and has no annual fee and no rewards program. You can choose your credit card due date and the auto-pay feature helps you pay your balance faster, eliminating interest and late fees. Also, if your secured card is lost or stolen, you will not be liable for unauthorized transactions.

Bank of America Unlimited Cash Rewards Secured Credit card
Strengthen or rebuild the credit with a Bank of America Unlimited Cash Rewards Secured credit card. Bank of America secured credit cardholders can earn 1.5% cash back on all purchases. With good payment behavior, the card can be transitioned to an unsecured card. There is no annual fee and the minimum security deposit requirement is $300. Bank of America will report the card history to the three credit bureaus to help you build your credit score over time.

Secured Sable ONE Credit Card
People with poor credit can apply for the Secured Sable ONE Credit Card. The card has $0 annual fees and gives attractive rewards that make it one of the best secured credit cards in the market. With this card, you can also earn 1 to 2% cashback in addition to a bonus on all cash back at the end of the first year. The card can be upgraded to an unsecured card in 4 months; this is a shorter duration compared to what other credit cards offer. You can also improve your credit score as monthly transaction reports are sent to the credit bureaus. Other notable benefits offered include cover for phone damage or theft if you buy your phone or pay your monthly cell phone bill with the card.

Secured cards are also best suited for those who have never owned a credit card. The credit history of the secured credit card will help you build personal credit inexpensively and this will help you qualify for a decent unsecured card in the future.

Since the origin of the World Wide Web, the commerce department of the United States Government has been in control of the Internet. However, the Internet Corporation for Assigned Names and Numbers, or in short ICANN, is the governing body of the Internet since the past many years. The ICANN was established by the Internet Assigned Names Authority or IANA and the Network Solutions Inc. on the September 18th, 1998. The creation of the ICANN was for taking over the control of the Internet from the United States Government. ICANN was given as a government contract by the Department of Commerce (DOC) to manage the internet in 1998. Role of ICANN The ICANN is a non-profit organization of people around the world which is concerned with keeping the Internet secure, stable, and dependable. The prime objective of the ICANN is to control the DNS (Domain Name System) allocation which is the main basis of the Internet. The Domain Name System guarantees that a specific URL leads to the correct server and opens up the desired window. The ICANN is also responsible for the IP (Internet Protocol) address allocation. It is governed by a 19-member volunteer Board of Directors representing the countries around the world. Bone of contention The governance and control of the ICANN over the internet has been contentious ever since it took over the operation of Internet back in 1998, mainly because of the influence of the United States Government over the ICANN. An exemplification of this is the decision taken by the Internet Corporation for Assigned Names and Numbers in the ".xxx" domain name, which was believed by a large majority to be a decision highly influenced by the United States government. ICANN has, however, contended several times that the United States Government never had the ability to control or influence the decision making of the of ICANN and also added that no nation will ever have it either. What does ICANN do? The ICANN is of a belief that all the users of the Internet deserve to have a say on how it runs. All the opinions are received and are given consideration on merits. The ICANN holds international meetings each and every calendar year and the meetings are open for all. That means that anyone can attend these meetings and share their opinions with the ICANN community regarding the Internet or anything relating to the ICANN policy or any other related issue. In each of the meetings, there will be a session, specifically for the public to directly interact with the directors and the rest of ICANN community. Thus, the ICANN utilizes all the available sources in the mission to make the usage of internet better.

Did you buy your machine from one of the ongoing washing machine deals and are now tired of calling the service center, every time your washing machine breaks down? Most customers share the same grievance. However, regardless of the age of your machine, some simple maintenance tricks can ensure its smooth operation so that your washing machine lasts longer. Choose your detergent wisely Picking the best machine from a washer sale does not end your responsibility. To ensure that your machine works adequately, do not use excess detergent as it creates lots of suds, which is difficult to rinse out. If you have soft water, make sure you reduce the amount further. For front load washing machines, you need to buy detergents made for High-efficiency (HE) machines. Rub the dispenser with a kitchen cloth and hot water, in case you are using liquid softeners. Dilute the softener with water when you are using it in an agitator. Remove finished loads To prevent musty smells and mildew, remove damp clothes from the washer immediately. Also, keep the door of your washing machine open after the laundry to allow air circulation. This holds good not only for older machines, but also the ones which you may have bought recently through a washing machine deals. Clean the interiors periodically Cleaning the machine at least once a month is essential. Here are a few steps that you can follow: Pour some white vinegar into the dispenser and one cup of baking soda into the drum. In extreme cases, you can also add bleaching powder. Run the machine on the hottest cycle, plus an extra rinse. If you picked up your new washer recently during one of the washing machine deals, you might have to put in a relatively lesser effort. You can clean the door’s rubber seal with a solution of water and vinegar. If you notice that there are problems with water drainage, there is excessive vibration, and the clothes are taking longer to dry, then it indicates probable issues with your drain pump filter. Do not forget to clean your drain pump filter at least once a week. For people who are planning to buy a washing machine, there are multiple washing machine deals that you can find in the market and on online stores.

Property prices are eternally on the rise. Therefore, the demand for home loans is almost always high. To get a home loan, seekers must maintain a good credit score and overall loan repayment behavior. These criteria may seem simple, but fulfilling them becomes challenging for several loan receivers. Due to that reason, many people find it challenging to get conventional loans approved. Pre-approved FHA home loans are the solution for such situations. What is an FHA home loan? The Federal Housing Administration (FHA) approves and backs these loans under the jurisdiction of the Department of Housing and Urban Development. Although the FHA pre-approves these home loans, private lenders provide the money directly to loan seekers. These lenders can be credit unions, banks, or even some nonbanks, such as online lenders, who are FHA-backed and licensed to be part of the partnership. FHA home loans are known for their low down payment and interest rates. Usually, first-time home buyers and people with credit payment challenges opt for these loans due to their accommodating and lenient nature. While the federal government does not directly issue FHA loans, it pre-approves and insures them to safeguard the private lenders who offer them to home loan seekers. The insurance bit comes in handy for the lenders when people who take these loans default on the repayments. FHA home loans help buy or refinance several types of homes, such as two-to-four-unit multifamily homes, condominium units, single-family houses, and precisely manufactured homes attached to permanent foundations. While people who receive this loan can use it to build new constructions or renovate existing homes, all properties built using them must undergo FHA appraisal. Requirements to get an FHA home loan Individuals looking to receive an FHA home loan need to tick certain boxes, such as: The loan will only be provided if the home being built or bought is a primary residence and not a second home or an investment property. As specified earlier, the home built or bought with FHA home loans must be appraised by an FHA-approved appraiser beforehand. Loan seekers will have to let FHA officials inspect the property. After the evaluation, a report can be created regarding the same. This report will contain detailed information about whether the home meets minimum property standards. Apart from these, aspects of the loan, such as the down payment amount, credit score, mortgage insurance, loan limits, and income requirements, will also be carefully considered before the loan is handed out to seekers. The FHA holds the authority over the approval or rejection of these loans. Also, this body can add or remove criteria for specific scenarios. Process of getting an FHA home loan The loan criteria is only the tip of the iceberg when it comes to FHA home loans. Here's the complete process of how these loans work: Show valid documents to confirm that loan seekers meet the minimum requirements, which include a credit score of at least 580 (which is comfortably lower than the 620 that most banks demand in return for conventional home loans), proof of income, records showing no recent bankruptcies, residential address, social security details, and other personal information for verification purposes. The second step involves choosing an FHA-approved lender to receive the money. Lenders need to have experience in loan origination, possess licensing in each state the lender serves, have a positive net worth, have a bond, a completed application and incorporation papers, and maintain detailed credit reports for loan officers as well as the lender themselves. While looking for lenders, loan seekers can compare terms, rates, and fees each lender offers before zeroing in on one. Individuals looking for FHA home loans can also consider factors such as the lender's customer service, physical location, and typical customer. The next step involves applying for and getting pre-approval from the FHA for a loan. A Pre-approval is the process of a lender reviewing loan-seekers financial documents and credit history before letting them know about their eligibility for an FHA loan. While pre-approval does not guarantee the reception of a loan (there needs to be a further evaluation before that), it speeds up the process. The subsequent step is to provide documents and officially apply for a loan. That includes submitting the following information: income sources, income amounts, housing expenses, details about previous and current employment, and recurring debts. The next step involves property inspection and appraisal by a certified FHA appraiser. After this, the FHA will perform the underwriting and approval of the loan. The final step involves signing the loan documents and paying the closing fees and costs of the lender and FHA's services. Benefits of FHA home loans Low creditworthiness requirement As alluded to earlier, the credit score requirements to receive these loans are much lower than that of conventional loans. This alone makes it easier for people with less-than-perfect credit history (a large majority) to get the loans to build or buy the house of their dreams. Low down payment While receiving FHA loans, one can access financing for their home with only 3.5% needed as a down payment. This figure is considerably more affordable than the 20% figure that most other loan providers demand from seekers. Low DTI requirements A person's debt-to-income (DTI) ratio compares their monthly debt to their income. There are many people who earn low incomes and have inherited huge debts from their families. For such individuals, the low DTI requirements of FHA home loans are a welcome relief while looking for financing or refinancing avenues for their houses.

What is bundling? To bundle cable TV and cable internet packages and services is to combine both as a single pack. By bundling cable television and internet you get numerous offers like price discounts, installing both at one time, pay single bill for all services and lots more from the same dealer. In this digital age, everything is computerized combining computer, smart phones, tablets, digital TV and internet. With this service, you get to enjoy both watching TV and using a high speed internet in one place. You may purchase both connections from the same dealer at substantial price discounts from the cost of individually purchased lines. This allows the customers to enjoy more services by saving money on each. Types of bundle deals Triple Pay Bundle is a package that includes phone, internet and TV connection. Usually a bundle service is got through phone or cable company these days you can also bundle service with satellite TV company through a phone company. This package is perfect for people who would like to have all the services at one place for an effective price. You can pick any two services and make it a Double Pay Bundle and still benefit on saving. You can bundle telephone company with a TV company but it does not provide phone services like DirecTV or Dish. Firstly, you pick the TV plan and then bundle it with phone or internet plan with a telephone company and pay two companies in a single bill. Bundling with cable companies is also possible. Few cable companies provide internet and phone services along with a TV service. This way the cable company will not have any tie ups with other companies which makes it less expensive because the server is all the same. How to shop bundles Discussing with a single dealer don't jump into conclusions as they might try to project to be the best. Comparing the multi-service plans is a challenging job as every plan and every company varies in channel packages, internet download speeds and calling plans. You can purchase bundles from a single company or join with other as per your need but be specific in the plans you choose without falling as a prey for data traps. Pros and cons Choosing a bundle plan will save you more on installation charges as you call for a single agent for setting up phone, internet and TV connection. Be aware of certain providers who gives separate installation fees on each service keeping you wait for hours for the installer to arrive. With a single provider, the consumer can clear any problems or doubts with all the connections in one time. The only disadvantage with bundling is that the provider may ask you to sign a minimum of two years' agreement and assess penalties if the consumer does not go according to the contract.

Cleaning a bathroom is not a fun task, but definitely a necessary one. Also, most people clean their own bathrooms as hiring a cleaning person can be expensive. But if you clean your bathroom on a regular basis, you can make the chore less overwhelming. For this, all you need are basic bathroom cleaning products and a bit of your time. Here some effective tips to clean your bathroom. The bathroom sink can do with daily cleaning action. Before spraying the sink with a cleaning solution, remove all hair and dry waste material from it, otherwise overtime, these can clog your drain. Use any mild bathroom cleaner to clean the sink surface. Spray it all around the wet sink and rub it down with a scrub. Make sure your cleaning solution is compatible with the sink material. What may work for ceramic sinks might damage metal ones. So, buy all bathroom cleaning products after carefully reading the labels for ingredients and usage. Use a glass cleaner to wipe mirrors and shower glass doors. Use a lint-free soft cloth for wiping the glass surfaces. Usually, you don't need a cleaning solution for the countertop. You can dust it off and if needed, use a mild cleaning solution or a damp cloth to wipe it clean. You can tackle the tub or the shower area with a mild cleaner and scrub the gunk off with a brush or sponge. Use a small brush or a used toothbrush to remove stains and deposits from the faucets. Clean the drain with a circular brush. Wash the shower curtain in the washing machine or as directed in the washing guidelines. To clean wall tiles, dampen a soft sponge with an all-purpose bathroom cleaning product and rub away the dirt from the tiles. Next, use a damp cloth to clean and wipe the tiles with a dry rag. Apply toilet cleaner and let it stand for a while. Use a flexible brush to clean the toilet bowl so that it reaches even the deepest parts of it. Use water to remove the cleaner. Clean the toilet brush with water and bleach and put it away to dry. Use a cloth soaked in antibacterial solution to wipe away the toilet seat and other exterior parts. Ensure you use a broom to clear away any cobwebs from the ceiling and small nooks all around the bathroom such as under the sink and cabinets. Dust away the cabinets and its decorative accents. Use a damp cloth to clear away soap or water stains from the cabinets. From time to time, wipe away the towel bars and door knobs with an antibacterial cleaning solution. Clear away all hair and dry materials from the floor. Use a mild cleaner to clean the floor surface. Every once in a while, when the floor is not too dirty, you can simply use a sponge and a soapy solution to quickly clean it.