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7 Tools and Applications That Can Make Your Life Easier

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Before smart technology became common, many essential daily tasks like planning, booking a ticket, or finding a location were hard to complete in a short time. Many other chores were done manually before the invention of creative applications to help you with almost anything.

Using tools can make your simple daily tasks easy, and you can save time in your routine. They can also help you become more productive and plan your schedule. Here are some applications and tools that provide effective performance.

Glympse:

It is a GPS locator application that can be very useful in your life. You can use it to check the location of your family and friends. Download this application on both the devices and get notified of their location when required.

You can ask your children for their location to ensure their safety. It is also useful for dementia patients as they can get lost when wandering around.

MVP Image Converter:

This tool is amazing as it offers image conversion in a variety of formats. If you want to apply for a job, you can convert your required documents from jpg to pdf to easily view or print the files.

It can convert images in different formats while maintaining the quality of your files. This tool offers the conversion of multiple files at the same time, saving your effort and time.

GRAMMARLY:

This application is great for correcting your grammar and spelling mistakes. It can be helpful when doing your school project. You can also make an excellent presentation for your work without any errors.

Writers benefit from this application greatly. They can write an article, blog post, etc., feasibly without worrying about any grammar correction.

Hotwire:

It is a traveling tool that can help in making your journey easy. With the help of Hotwire, you can book plane tickets, hotel rooms, rental cars, etc., at discounted prices. It also offers various vacation packages.

If you are worried about planning your last-minute vacation, this application can help you deal with the issue. It also offers planning tools that will help you plan out every little detail of your journey.

Stepz:

It is a fitness and exercise-related application. It can help you track your workout routine by counting your steps. After a run or jog, it can calculate your burned calories helping you in weight-loss.

You can set goals for your health and fitness and use this application to help you achieve them one by one.

Dark Sky:

It is an accurate and precise weather application. It can help you avoid severe weather conditions. You can get notified when there is a heavy rainstorm.

You can get stuck in traffic or your office during bad weather, so it is best to use a weather application to avoid going out on such days.

Evernote:

It is a must-have application as it is free, and its use can help you plan out your day for it to run efficiently. It is a note-taking tool that can help you keep your articles, images, PDFs, and much more in the same space.

Hi. I am Muhammad Mubeen Hassan. I am SEO Expat and Wordpress Websites Developer &  Blogger. 30 years old. I help entrepreneurs become go-to in their industry. And, I like helping the next one in line. You can follow my journey on my blog, for list Click Here If you need any post so you can email me on my this Email: mubeenh782@gmail.com  

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Business

Top 5 Reasons Why Banks Reject Loan Applications & How You Can Avoid Them When Reapplying

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Top 5 Reasons Why Banks Reject Loan Applications & How You Can Avoid Them When Reapplying

Personal loans are a source of emergency funding for many people. But loan seekers must remember that applications for personal loans may get rejected. There are many reasons for loan rejection, and it is good to know them before applying. A personal loan rejection does not necessarily mean that you are not creditworthy. Understand the reason why you were refused credit loans, and you can easily avoid loan rejection when reapplying.

Here are the most common five reasons for loan rejection –

  1. Poor Credit History

Individuals who borrow and repay loans on time have high credit scores based on their history of repayment. If you have never borrowed before or have defaulted on a loan in the past, this will reflect in your credit score and may get you a loan rejection.

  1. Low-Income Level

Lenders analyze your income records to determine whether or not you will be able to afford the monthly installments. If the bank or the lender cannot verify your income with the information you have given or if they think that your income is insufficient – it may lead to a loan rejection.

  1. Debt to Income Ratio

A high debt to income ratio means that you are already spending a large part of your income in paying off your current debts. This is important, as it helps lenders determine whether you can take on another loan payment or not. People with low debt to income ratio are never refused credit loans.

  1. Living in a Location Where Defaults are High

It may surprise you to know that banks and lenders mark geographical locations where defaulters live. If your address reflects a location where many defaulters live, you could face a personal loan rejection.

What Should You Do Before Reapplying?

In case your loan application gets rejected, don’t worry. For refused credit loans, lenders are obligated to send a notice of adverse action informing the applicant about the reasons for denial of the loan. Here are a few simple steps you should take before reapplying.

  1. Take a Look at Your Credit Reports: Obtain your credit reports online for analyzing your credit history and score. Reviewing your credit reports will help you identify the problems such as late payment or defaults that led to your loan rejection.
  2. Evaluate Your Debt-to-Income Ratio: Taking a look at your current debts vis-à-vis your income will help you understand if you have sufficient income to repay the loan you had applied for. Creditors usually look for a debt-to-income ratio lower than 36% for good creditworthiness.
  3. Discuss the Loan Rejection with Your Lender: After analyzing your credit reports the best thing to do is to talk to your lender. They will guide you about the right reason why your loan application was rejected and how long you need to wait before reapplying.

Author Bio:

Shiv Nanda is a financial analyst who currently lives in Bangalore (refusing to acknowledge the name change) and works with MoneyTap, India’s first app-based credit-line. Shiv is a true finance geek, and his friends love that. They always rely on him for advice on their investment choices, budgeting skills, personal financial matters and when they want to get a loan. He has made it his life’s mission to help and educate people on various financial topics, so email him your questions at shiv@moneytap.com.

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