Virtual Currencies: The Future of Payments?

Over the course of the last of ten years, virtual currencies have really revolutionized digital payments. They include Bitcoin, Litecoin, Ripple, Dogecoin, Peercoin among others. The European Banking Authority defined virtual currency as “a digital representation of value that is neither issued by a central bank or a public authority, nor necessarily attached to a fiat currency, but […]

via Virtual Currencies: The Future of Payments? — The Digital Devices



Metabolism; chemical processes that occur within a living organism in order to maintain life. That is all chemical processes that go on continuously inside your body to keep all the organs functioning normally. Below are four top secrets that may help you naturally boost your metabolism making you lose more weight, burn more fat and […]


Beauty and Health Benefits of Drinking Hot Water

Regularly drinking hot or warm water can provide many health benefits to our body. Some of the benefit including reduction of metabolic waste, improving digestive power and building up the immune system. Below I outline TEN reasons why you should create a routine of drinking a glass of hot water at the beginning of the […]

via Beauty and Health Benefits of Drinking Hot Water —

5 Easily Available Remedies for Removing Wrinkle

The face is the index of the mind because we can read someone’s mind by seeing their face. Wrinkled faces may be telling us a lot. Wrinkle-free face helps us to hide age and life’s secrets. Maintaining a wrinkle-free face should not be an arduous task nor should it make us break the bank. Below…

via 5 Easily Available Remedies for Removing Wrinkle — FAVAM

Sighting of the Supermoon

the supermoon
the supermoon

The impressive sight of the Supermoon has happened. Me and the lucky one witnessed it at around midnight EAT.

This phenomenon happens when a full moon is closest to Earth. Because the moon orbits our planet in an oval shape, sometimes it comes closer to us than at other. To us Earth-lings, the moon appears 30 per cent brighter and 14 per cent bigger.

The following morning mother nature endowed us with even more awesome scene.


Thank you Mother Nature

The Importance of a Good Credit Rating

Enjoy Better Interest Rates

Enjoy Better Interest Rates

We have a lot of reasons to be thankful for lenders. They make it easy to handle our finances. They will lend the financial assistance that we need. Nonetheless, it is important to keep in mind that they do not always bring good news. In some instances, they bring bad news. In order to assess the borrowers and to have the assurance that the money borrowed will be repaid, they take a look at different things, and one of them would be your credit rating. Whether you like it or not, such rating is going to define your attractiveness as a borrower. If you have not paid previous balances from your credit card, if your bill payments are not settled on time, and if you owe money from your previous loans, your rating can be unfavourable on your end.

Be Approved for an Auto or Home Loan

For many people, they resort in loan application to have the home and the car that they need. They rely on the help that can be extended by lenders to finance the properties they would like to purchase. In this case, your credit score will also play a vital role. If your rating is unfavourable, lenders will see you as a high-risk borrower. This means that there is a tendency that you will not be able to repay your loan, and hence, giving them a reason to reject your loan application.

Enjoy Better Interest Rates

Aside from just being critical towards being approved in your loan application, your credit rating will also have an impact on the interest rate of your loan. Generally speaking, if your score is high, this would mean that you are seen as less of a risk, and hence, interest rates will be lower. This is as against low credit score where you can expect interest rates to be higher than normal.

Find a Place to Live

If you do not want to buy a new home and you would like to settle with renting a property instead, your credit rating will also have a major role to play. Many of the landlords nowadays will also look at your credit report and use your rating as part of the process for rental application. A bad score would mean that they could encounter problems in settling rental payments.

Be More Attractive for Employers

Although it is not necessary for employers to take a look at your credit rating, it cannot be denied that there are still many who use such as a tool for the assessment of their applicants. If you have a favourable score, it means that you have not been a problem with any lender in the past and this says a lot about the kind of person you are. More so, a poor credit score can be seen by many as lack of financial management skills and being irresponsible.

The Mental Journey of an Entrepreneur -A Battle that must be Won

The life of an entrepreneur is not a walk in the park. It is full of trial and tribulation and requires patience, persistence and most of all staying on purpose. There will be a lot of people that will tell you things that make no sense. The big question is; will you stay the course? Which voice will you listen to?

Embed below is a short film by Patrick Bet-David “Good voice, Bad voice”. In it Patrick shows us the voices in the life of an entrepreneur. The source of these voices could be from anyone; starting with your spouse, family members, neighbors and so on. Sit back and learn.

Thanks to Patrick Bet-David and the crew of VALUETAINMENT