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Showing posts with label Society. Show all posts
Showing posts with label Society. Show all posts
10 Pictures Libron james Doesn’t Want You To See

10 Pictures Libron james Doesn’t Want You To See


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10 Pictures Libron james Doesn’t Want You To See
As I said earlier, when Lebron James is in the building, all eyes are on him. He must have forgotten this, as he began seriously searching for gold on the bench during one of his matches. The camera was able to capture this, it does exactly what it looks like it does, and picks its nose. This is acceptable to more than an 8-year-old boy, but seeing LeBron James on the bench is not the best looking league face. To make matters worse, he is definitely about to be touching his team mates and basketball. The last frank thing is that LeBron certainly wants not to float around the Internet, as he does not want to see this.

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10 Pictures Libron james Doesn’t Want You To See

LeBron has played more than 40,000 minutes during his 15-year NBA career, but there appears to be no wear or tearing due to his brilliant gameplay. His toes seem to be the only thing affected here; as you can see in this picture of him on the beach, his left foot looks distorted. His pinkie toe collided in a small ball, and I really wonder how LeBron is not a little less slowed down by this. I don't think people will want to wear their Lebron shoes after seeing what they've done to this man after all these years. I hope this foot will not get him out of his career, because this foot definitely needs to be examined by a doctor.

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10 Pictures Libron james Doesn’t Want You To See

The camera was directed at Lebron and his wife, who both enjoyed the game. Upon watching her, his wife was clearly likely to have smoked something. It couldn't be clear what he was, but it didn't seem that his wife was smoking a cigarette. However, some say she was only eating food, but if you watch the video, you'll see that LeBron becomes very tense when he realizes that he and his wife are on the screen, telling his wife even to stop what she does, and she puts her hand on the spot, until his lips are like "put that down". It is strange to me how smoking will be in the stadium, but this picture is definitely not something LeBron and the league wants speculative fans.

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10 Pictures Libron james Doesn’t Want You To See

I don't know the origin of this picture, but it certainly does not bode well for Lebron. It looked like this after winning the NBA Finals, but that's understandable; this picture was taken before that. Whether he's joking or not, this image has been viewed by millions due to the fact that it has been converted to M, and once that happens, there is no stopping the image. LeBron James is the NBA's greatest player at the moment, but perhaps his competing players take a look at this picture of her possession before the match. It probably doesn't work much for them. Prune is likely to be upset with this outright cut. The Jordanian meme remains the cry of one of the most popular memes on the Internet, but we are sure of the cry. Lebron will live for a long time as well.

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10 Pictures Libron james Doesn’t Want You To See
You may not play a full match without Lebron complaining about the referee. That's just how it is. This picture here is a little different, after all, as LeBron appears to be too refereeing with a disgusting feel over a call during the 2016 NBA Finals. If any other player would have been kicked out of the game to make contact with such a reference, but given that LeBron, nothing happened. You can see Steve Curry smiling in the background, as if LeBron is about to get rid of the game. It is possible that this league hates more than the king, because it shows how much is lost on any night due to its effect on the association.
LeBron James is a really smart player on the field, but when it comes to social media, he has to understand that such a message can be interpreted in different ways, and may not just send messages to Instagram models. They will scan the screen and share it with the world!

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10 Pictures Libron james Doesn’t Want You To See

This could have been the most exciting game in Nene's long career, as he had the best of LeBron on both ends of the field. During a match between the Washington Wizards and the Miami Heat, Nene managed to stop the LeBron shot hard against the backboard for the fans' enjoyment. After a few plays, Nene ascends his cloud that James competed, eventually throwing him the best player in the league. This picture captures that moment, where you can see James stumble again as Nene puts it on a poster. The league does not mind this image almost as much as LeBron, nor does it allowNieNien to get some highlights from that match against him.

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10 Pictures Libron james Doesn’t Want You To See

LeBron James performed an epic performance throughout the 2015 NBA Finals despite losing to Stephen Curry and Golden State Warriors. He was playing really well in fact, that the cameras cut him to show that he scored more than any other NBA player through the first three games of the finals. Cameras got more than expected, as James shows his shorts adjusted to the point where the skin can be seen. That was a quick second, but obviously a quick second is enough for the fans to clear the screenshot and try to decode what they just saw. Yes, LeBron James accidentally flashed the cameras while adjusting his shorts within the time limit. No big deal, it doesn't look like the websites you'll include in articles about it ...

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10 Pictures Libron james Doesn’t Want You To See

This is perhaps the most polarizing move in NBA history. LeBron James went on national television to announce to the world that he would leave his hometown of the Cleveland Basketball Association, and take his "talents to South Beach". He immediately became the most hated player in the league for this move, as Cleveland left to go play with all-star Dwayne Wade and Chris Bush in Miami. Moroccan League just hate moving to play in Miami. At the time, he hadn't won the Cleveland Championship, and the fans really felt like he was giving them up to set up episodes with other all-star players. Later, he would win by himself with the Cavaliers team in 2016, but this picture here is something that LeBron James and the National Basketball Association will always remember as something other than the game forever.

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10 Pictures Libron james Doesn’t Want You To See

I am a fan of Lebron, and its theme has always been frustrated by haters. It is usually even hard to defend it when you see this beast of a player freaking over a bump in his arm, but when I saw this I just had shook my head. During a match between Cavaliers and Raptors, things got a little worse on the field and LeBron tried to iron things out. The weapons began to fly and James had touched his face, colleague Tristan Thompson. James immediately began to grab his face, but rather fell to the ground, which was a pleasure for all fans of Raptors who could clearly see that he was only floundering on his teammate. Do not fumble on yourown team, Bron.

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10 Pictures Libron james Doesn’t Want You To See

Certainly LeBron James wasn't expecting this Instagram model to portray his message and show it to the world, but it did. Rachel Bush was the girl who should have captured James' eye, and was perhaps very surprised when she saw a live message from LeBron James, the NBA legend. It was just "what's up!" From the king, but what is it that tries to slip into the woman's direct messages when he is married and has children?
It happened again in late 2017 when Heidi Hobak of Instagram posted a fishing picture and LeBron delightfully photographed: “Teach me how to hunt and teach you to play the ball. Deal? Lol. ” DM may be harmless, but it definitely didn't look good on it.



10 Pictures Libron james Doesn’t Want You To See


This Is How Cristiano Ronaldo Spends His Millions!

Cristiano Ronaldo


Cristiano Ronaldo is the footballer who earns the highest income on the planet (including marketing income). His fortune is estimated at 506 million euros.
The player receives 30 million euros in annual salary from Juventus, plus 30 million euros in advertising revenue. Cristiano Ronaldo receives no less than 89 million euros per year, due to his multiple investments (hotels, clothing brand, etc.). But how does the Portuguese like to spend all this money?

Luxurious cars

Beautiful cars certainly represent the greatest passion of Cristiano Ronaldo, after football. The contents of his garage are insane. He has no less than 20 luxury cars, with a crazy value of around 7 million euros.

Paradise holidays

The legend is known for being a great professional, hard at work and always optimizing recovery. But he also knows how to have a good time when summer comes. For his vacation, Cristiano does not count. He generally spends around 14,000 euros. Between heavenly destinations, exceptional activities and posh evening, CR7 knows how to have fun. He does not hesitate to share these moments with his family and friends.

Charity

Despite his selfish image on the media, Cristiano Ronaldo has a big heart. Ronaldo's generosity is not limited to his loved ones. The best player in the world does not hesitate to give when it comes to supporting humanitarian causes. Sick children, cancer research, support for children in countries at war, the Portuguese is regularly involved in these causes which are dear to him. In 2015, he was voted the most generous athlete of the year.

Real estate

Forced to leave Madrid after his transfer from Real to Juventus, Cristiano Ronaldo had to sell his villa estimated at 5 million euros. In Turin, he bought himself a house of similar value. But his Italian home is not the only real estate owned by CR7. England, Portugal and the United States are all destinations where Ronaldo has homes.
Cristiano Ronaldo knows how to have fun as much as he knows how to manage his profits. One thing is certain, the Portuguese have given himself the means to live this dream life.

Watches and cars as well as big heart

Beyond his taste for lust, Cristiano Ronaldo is a man with a big heart, as evidenced by his many charitable gestures. For example, in March 2014, the Portuguese helped a young sick child by paying him for a very important surgical intervention. In March 2019, Ronaldo added a $ 360,000 Rolls Royce to his collection, a car that only the best and wealthiest players in the world have been able to afford. He lived in a fancy villa in La Finca - an exclusive community in Madrid built by architect Joaquin Torres.

Playing poker

Various rumors over the years have reported Cristiano Ronaldo loves spending money playing poker. A fact perhaps verified since the player has since become one of the faces of the great poker site "PokerStars"
Between personal pleasure and beneficence, CR7 therefore knows how to perfectly manage its enormous fortune.

This Is How Cristiano Ronaldo Spends His Millions!


6 Once Great Athletes Who Now Work Normal Jobs


It is often said that sports stars die twice, the first time when they retire when the lights of fame are turned off and the newspaper headlines are ignored, so the void remains alone in receiving them after many years of buzzing successes, winning titles, breaking records and reaching the largest number of victories, in exchange for many personal sacrifices so, what do these athletes do when the cheers of the fans subside and all this glory is over?

1. Karl Malone

6 Once Great Athletes Who Now Work Normal Jobs


Karl Malone was a big NBA star. but even fame like that couldn’t support him through the process of his retirement. What did he do instead? He became a businessman, and he has surprisigly succeeded. He even drives in his free time!

2. Jorge Posada

Once Great Athletes Who Now Work Normal Jobs


You may not be a Yankees fan, but let's admit, 17 years with the team would absolutely make him a baseball icon. Posada began his writing career as a children’s writer, with his first masterpiece entitled Play Ball! His retirement even inspired him to go back to his first love and passion, and became a full-time writer!

3. Roger Federer as a driver, can you believe it?

6 Once Great Athletes Who Now Work Normal Jobs


Tennis fans may be fast to point out that Roger Federer is, in fact, not retired yet. He’s still number two worldwide. Yet, if you still recall his new hip injury, he did retire from the sport and took up a job as a driver, so with his actual performance, it wouldn't be new if he retired and chooses to drive like old days! Be ready for it!

4. Bryant Reeves as a farmer

Bryant Reeves as a farmer


 Reeves was chosen by the Grizzlies in 1995 and signed a $60 million contract in 1997 with the team, which, as you know, is a lot of money. He was a significant player. Following his retirement, Reeves lived up to his name and bought a farm in the state of Arizona, which he works in now. His family says that he works like everyone there and considers himself an employee like his fellows.

5. Tito Santana went from wrestling to a high school teacher

Tito Santana went from wrestling to a high school teacher


Tito Santana was a wrestling star in the 80s. He was pretty famous in the WWE as well. He later quit the wrestling world and pursued a different career as a Spanish instructor in high school. Could you ever imagine being a WWE fan of Santana only to go to school and have him as your languages teacher? funny right?

6. Adrian Dantley

Adrian Dantley


It seems that retired NBA player Adrian Dantley wanted to give back and quit his successful career as a player to be a crossing guard in Maryland.
He roughly earns $15,000 a year. He didn’t want to stay in the house all day says. It’s lovely to hear that he as an interest in helping the community.
Retirement planning cannot be ignored, not even for the most skilled athletes. There is a dark side to retirement that includes depression, addiction, and even suicide. The financial issues and psychological pressures that await them require better management of time and their daily habits, in contrast to what is often portrayed that Retirement is an ideal time for long walks on the beach or attending family events and reading.


6 Once Great Athletes Who Now Work Normal Jobs



Although the White House is a tourist attraction for which thousands of tourists take pictures from the outside, from the inside it is considered one of the mysterious houses that many people do not know what is inside.
Therefore, in the next article, we will highlight the most important secrets of the world's most attractive homes, the White House.
10 Incredible Things You Didn't Know About The White House

1. There are 132 rooms, 412 doors, and 147 windows

As a 5-star hotel, the incredible nature of the White House is not just a derivative of its whimsical image but also of its sheer size. Without all the butlers and security, there would likely be a problem navigating through these 400 doors and 130 rooms. It must be difficult not to feel trapped, however, considering the almost 150 windows you can probably get out of it.

2. The press area was at the base the swimming pool of Franklin Delano Roosevelt

Franklin Delano Roosevelt needed a pool for his exercises, which was built inside the White House. It was President Nixon who destroyed Roosevelt's swimming pool and turned it into an area for journalists and people.

3. The White House was built by black slaves

At least 5 African-Americans built the house as a slave. 5 construction workers, who were carpenters on the presidential palace, (Tom, Peter, Daniel, Henry, and Ben) were ultimately unpaid even if they worked often daily.

4. 2157 liters of paint is needed to cover the exterior

The White House does not stay white by itself. When repainting it takes a long period of work and 2157 liters of paint to give the exterior a shiny new coat.

 5. 140 people can dine at the same time

The president can hypothetically receive 140 people for dinner. This number is based on the size of the dining room and the resources of the chefs.

6. Fun time

If the first family feels bored while in the White House, there are a lot of things they can do to pass the time, there is a bathtub, tennis court, walking and jumping track, movie theater, billiards room, and bowling area around the building.

7. Fire

Fire safety is important even for the first family. On Christmas night in 1929, a fire broke out from the stoves when Herbert Hoover was in his office, which led to the destruction of part of the Oval Office and the West Wing and tried to extinguish it, but the military service refused this.

8. Poor George Washington

He is the first president in the United States, but he did not enjoy living inside the White House, as he planned and contributed to building it, but he died before the project was completed. President John Adams was the first to reside in it.

9. Marriage in the White House

President Grover Cleveland had two presidential terms, but he wasn't married. But in the end, he fell in love with a woman named "Frances Folsom." He is the only American president to have a wedding in the White House.

10. The first bosses

President Rutherford Hayes was the first American president to get a phone installation at the White House, and he was taught to use it by Alexander Graham Bell. Franklin Pearce was the first to use the bathtub, and it angered the public, who considered it unhealthy. As for President Benjamin Jefferson, the first American president to receive the installation of electricity, but he was afraid of using it.


10 Incredible Things You Didn't Know About The White House


17 Quick Body Facts That Will Make Your Jaw Drop
17 Quick Body Facts That Will Make Your Jaw Drop


Our body is fantastic. It performs thousands of operations every day which, however insignificant they may seem, are essential to keep us healthy and to feel good.
In most cases, we know the functions of our body. However, we ignore many other things that are of paramount importance and even seem incredible at times.
In this article, we are going to show you 17 things about the human body that you probably didn't know about and will make your jaw drop.

1. We have the same amount of hair as chimpanzees

The average body of an adult man contains the same amount of hair as a chimpanzee. The difference is in the thickness of the hair, which is much thinner in humans. Thus, in our case, the hairs have lost their original protective function. The current condition of body fluff is probably due to the development and use of clothing that protects us from the cold.

2. Goosebumps

Everyone has experienced goosebumps many times in their life. It is a pilomotor reflex, a response that humans had in ancient times to bristle body hair and protect themselves from the cold or other dangers like animals. It was actually a magnification of the waist. Of course, this function is now obsolete. Although we don't have as much body hair, our skin still has the same response.

3. Years of blinking

Humans spend the equivalent of 5 years blinking. As we know, this action is very important to our eyes: it is a protection and prevention mechanism. Thanks to this, we lubricate and rest our eyes, which cannot remain open all the time. Blinking is also a protective reflex since we usually do it when something is directed at our faces.

4. Lefties are stronger

Maybe it comes from physics, left-handed people have more strength when they apply it counterclockwise. This means that for a left-handed person it will be easier to open a jar than for a right-handed person. However, to close the same jar, where the force will have to be applied in the opposite direction, it will be easier for the right-hander to do so.

5. The stomach stores acid

Our stomach stores hydrochloric acid, produced by the cells in this area. In industry, this type of acid is highly corrosive and is used in metallurgy. However, the lining of the stomach protects us from the harmful effect of the acid, and we absolutely do not suffer from it.

6. We are a deposit of bacteria

The human body is a huge deposit of bacteria. In fact, the calculations say that they are much more numerous - about 10 times more - than the cells. Of course, this does not mean that all the bacteria in our body are harmful to health. There are different, some are beneficial and help our body to maintain good health.

7. Naps are good

Who said naps were bad for your health? This helps us to improve our concentration, our mood, and our productivity. However, sleeping too long during the day can have negative consequences. For example, we may feel more tired and irritable.

8. Lots of dead cells

Every day, our bodies reject a large number of dead cells, mainly from our skin. It hurts so much that if we collect them for a year, we would get about 2 pounds of dead skin cells.

9. Sensitivity

As we know, the human body has a large number of nerve endings that allow us to feel things. Among these, the most sensitive is found on the lips and fingers, while the least sensitive is found in the area of ​​the middle of the back.

10. Our hair weighs the weight of an apple

Depending on its length, our entire hair would weigh between 5 and 200 grams, the equivalent of a medium-sized apple (about 150 grams).

11. We would survive better without eating than without sleeping

Subject to having water, you could survive one to two months without eating, depending on your body fat and other factors. Deprived of sleep, we would radically change our personality and see our mind-altered after only a few days. The record observed would be 11 days.

12.  We are taller in the morning than in the evening

We would gain up to 2 cm per day upon waking, or rather, we would lose 2 in the evening ... Indeed, we would seem to settle down less when lying down than in a vertical position. Why? Because of gravity.

13. There are not 4 different types of blood groups

We would be led to believe (wrongly) that our blood groups boil down to O, A, B or AB. In reality, there are more than 25 groups. The rarest of them comes from a group of Japanese families.

14. There are more bacteria in our mouths than people on earth

Even with ultra-rigorous dental hygiene, a single tooth would harbor between 1,000 and 100,000 bacteria. Add to that about 1 billion bacteria in the saliva that we swallow every day ... Enough to have a furious desire to go and brush your teeth!

15.  The imprint of our language is unique

Like all other footprints, that of the tongue is unique. The information contained on this multifunction organ would indeed present identifications of geometric shapes with a unique physiological texture.

16. Men have fewer taste buds than women

Sorry gentlemen, who would thought the surface of your tongue is less rich!

17. Soft, brittle nails may indicate an overactive thyroid

If their white arc (commonly called “moon”) is, in addition to that, almost nonexistent, your nails can alert you to a potential risk of contracting an overactive thyroid. Consult to find out.

17 Quick Body Facts That Will Make Your Jaw Drop


12 Best car insurance price comparison site
12 Best car insurance price comparison site

1 - Compare.com

Compare.com is another online automobile insurance comparison tool that generates real-time quotes from multiple insurance providers. additionally to automobile insurance , Compare provides quotes for home, health, and little business insurance. It also offers tools to assist you select car loans and mobile plans. Compare is rated 4.6 out of 5 on eKomi, supported 970+ user reviews.
How it works: Compare’s shopping process asked me to enter an equivalent general information that other auto comparison websites did. Entering the knowledge was fairly straightforward. Most of the fields were drop-down menus or pre-filled supported information I had submitted on previous pages. The questions were detailed, including some about my current policy coverage limits that required retrieving my insurance documents to answer. I did like that Compare asked if i used to be willing to simply accept paperless documents and/or e-signing.
Car Insurance Comparison Sites with Estimated Quotes
Unlike Insurify and Compare, some comparison sites only provide estimated quotes, supported aggregate information from your local division of insurance. Auto insurance rates from these websites are supported what other drivers in your postcode with similar histories are paying for insurance, instead of real-time quotes from insurance companies.
The following sites fall under the estimated quotes category.

2 - Gabi

Gabi is an insurance services company and licensed insurance agency that claims to save lots of customers up to hundreds on their insurance premiums by comparing insurance quotes against your current policy. Users can link their current insurance to their Gabi.com account or send Gabi a PDF of their current policy . Through its technology and real-life advisors, Gabi says it can find you the “right policy” and permit you to match up to twenty quotes. Gabi features a 4.0 / 5 rating on Yelp, supported 70 reviews.
How it works: Like other comparison site flows, Gabi asks for a few necessary information, like your name, address, and former insurance firm . Early on, however, I had to make an account linked to my email address and mobile number, adding some extra steps to the method . Since Gabi focuses on comparing insurance rates against your current plan, it isn’t ideal for the first-time insurance shopper. However, if you aren’t currently insured, you've got the choice to point “I Don’t Have Insurance” early within the flow, and you ought to still be ready to find quotes. this is often what I selected to ascertain if the experience would differ from someone who’s not currently insured.
Though i used to be ready to customize my automobile insurance coverage options and obtain a couple of quotes, I got the sense that Gabi’s biggest strength is its ability to match quotes against one’s current policy. Otherwise, Gabi’s flow was almost like other estimated quote comparison sites, with the additional steps of account setup that seemed unnecessary.

3 - Nerdwallet

Nerdwallet.com may be a popular personal finance website that gives free comparison tools for car, health, and life assurance quotes. the location also has reviews of various insurance providers and various tips for selecting the simplest policy. Nerdwallet is rated 4.5 out of 5 from 2,413 user reviews on ShopperApproved.
How it works: to urge quotes, you’re required to check in for a free Nerdwallet account. This includes signing a disclaimer giving Nerdwallet permission to tug reports from the credit reporting agencies and share your credit score and other information with its partner companies.
During the quoting process, Nerdwallet asked questions on my vehicle, driving, and insurance history. One question that stood out was the one asking what proportion I currently purchased auto insurance. I couldn’t see how that helped Nerdwallet come up with rates (although it undoubtedly helped the corporate with its future marketing efforts).
Nowhere within the process did Nerdwallet allow me to customize coverage options—I could only choose one among four pre-assembled packages. the choice process also made no mention of discounts—either the way to qualify for them, or which companies offered them.

4 - The Zebra

The Zebra is another free auto insurance comparison website. The site’s name refers to its founders’ goal of presenting “insurance in black and white.” TheZebra.com features a few articles about choosing automobile insurance ,a automobile insurance calculator, and a few necessary information about other sorts of insurance additionally to its quoting tool. The Zebra is rated 4.7 out of 5 and has 1,475 user reviews on ShopperApproved.
How it works: The quoting process was almost like that of other comparison websites, although it offered me the choice of connecting my Google or Facebook account to hurry up the method . After I entered the requested information, The Zebra announced that it had matched me up with nine possible discounts. However, it warned that not every insurance firm offered all of those discounts.
The Zebra didn’t allow me to customize coverage preferences, forcing me to settle on one among four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful. On the proper side of the page, the location provided an “Insurability Score” listing the factors that insurance companies use to line rates and grading the knowledge I’d provided during the quoting process, which could help drivers looking to enhance their rates within the future.

5 - Lead Generation Sites

Unlike quote comparison sites, lead generation sites are paid when they send customers’ personal information to external agencies.
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, usually for a far less attractive price. This is because lead generation sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.
flow chart of how lead generation sites sell your information in exchange for fake quotes
You can sometimes get auto insurance quotes on lead generation sites, but expect them to be far less reliable than quotes from comparison sites. Using lead generation sites most likely means that you’ll end up wandering from one auto insurance website to another in pursuit of the best rate, which defeats the purpose of using a quote-generating site at all.


6 - DMV.org

DMV.org is a privately owned site that helps drivers interact with their local Department of Motor Vehicles. This site is not an official government agency but acts as a middleman between you and your local DMV. For example, a visitor may renew their vehicle registration or driver’s license on the site for an additional fee. DMV.org is rated 4.5 out of 5, and has 23,156 user reviews on Trustpilot.
How it works: Each state page on the site offers information on required coverage, optional coverage, proof of insurance, vehicle registration, insurance plans, rates, and discounts. They also have an insurance quoting engine that works similarly to those on other lead generation sites.

7 - InsuranceQuotes

InsuranceQuotes is a free, online comparison tool that offers quoting processes for auto, life, health, homeowners, and other types of insurance. The site also has articles on insurance-related subjects and provides information on auto insurance by state, including average rates. InsuranceQuotes is rated 1 out of 10 and has 14 user reviews on Resellerratings.
How it works: The quoting process asked me for the usual information; however, clicking the “get quotes” button required me to consent to a somewhat unnerving declaration that I would be called by up to eight insurance or partner companies, potentially including robocalls.

8 - NetQuote

NetQuote is a free, online insurance comparison tool that provides leads to insurance agents.
In addition to auto insurance, Netquote also offers quotes for health, home, renters, business, and life insurance. NetQuote is rated 1.2 out of 5, and has 39 user reviews on ConsumerAffairs.
NetQuote even asked me to agree to the same fine-print agreement as InsuranceQuotes, which allowed eight or more insurance companies to contact me with offers and information.
Results: I was delivered to a results page that also looked identical to InsuranceQuotes’, although the agents who would be calling this time were from Nationwide, Allstate, and Esurance.

9 -SmartFinancial

SmartFinancial’s home page boasts that it can get you rates from top-rated insurance providers in less than 3 minutes. The quote processing tool provides quotes for auto, home, health, and life insurance, among others.

10 - ValuePenguin

Like Nerdwallet, ValuePenguin is a personal finance site dedicated to helping consumers make informed decisions about their credit cards, banking, investments, and insurance. The site offers quoting tools, in-depth financial product reviews, and analyses of industry trends.
Insurance Companies that Compare Quotes
Several insurance providers tout their quote comparison platforms as a way to increase transparency and trust with potential customers. If we compare our rates against those of our competitors, they claim, shouldn’t that tell you that we’re serious about getting you savings? It’s a great advertising ploy, but the results are mixed. The following insurance companies offer users their own quote comparison experiences, but they too deserve a critical eye.

11 - Esurance

The Esurance website has its own page dedicated to quote comparison. The company discloses that it works with its sister company, Answer Financial, to deliver side-by-side auto insurance quotes from “top insurers.” Sounds harmless enough, right?
Turns out my ZIP code is all Esurance truly needed because my “quote list” immediately generated on the same page. I didn’t see any real-time quotes, but Esurance did provide several ads from insurance companies like GEICO, Progressive, and Liberty Mutual, all beckoning me to get a quote on their websites. All of this was below a box that led directly to Esurance’s own flow. Overall, I didn’t get anything more than ads…but at least it got me thinking about other providers to visit.


12 - Progressive

While Progressive hardly has trouble dominating the auto insurance market, it still purports to offer a quotes comparison experience. It seems as though Flo and her iconic price gun aren’t out to get you savings through Progressive alone. Does the company practice what it preaches?
The website noted how many residents in my state had bought a new Progressive auto policy in the past 30 days. After I filled out the entire Progressive application, I got my six-month policy quote. But what happened to comparing to other companies? I tried with different ZIP codes, and the process remained the same. Progressive may boast cheap car insurance rates, but if I wanted to compare quotes manually through various websites, well, I would have done just that.


12 Best car insurance price comparison site


Whenever you open a credit card or apply for a loan, credit bureaus collect information about your usage. That information appears on your credit report and is used to calculate a numeric credit score. Your payment history, credit utilization, mix of credit accounts, length of your credit history, applications for new credit all affect your credit and your ability to qualify for financing in the future.

Credit affects many parts of your life, both as a consumer and as a small business owner. Whether you apply for a business loan, make a major purchase, open a cell phone plan, or turn on utilities like water and electricity for your home, your personal credit comes into play. And using credit wisely is essential to having continued access to it in the future.

Unfortunately, since personal finance isn’t taught at most high schools or colleges, the majority of consumers learn the answer to “How does credit work?” from their parents or through trial and error—often only after facing the tough experience of being held back from their dreams and goals because of credit challenges.

Read on to learn all about how credit works, so you can be a smarter consumer and business owner. It’s not just about achieving the perfect credit score. Sure, that’s nice. But it’s more important to understand how different actions affect your credit, so you can better prepare for your business’s financial future.

How Does Credit Work? Personal Credit Basics

How does credit work? If you’re brand new to the idea of credit, let’s start with the very basics. Consumer credit comes into play whenever you borrow money as an individual. The person borrowing is responsible for making payments—and the information about amounts borrowed, as well as the schedule and size of repayments is recorded on that person’s individual credit file.

Consumer debts like car loans, mortgages, and credit cards are the most common types of credit accounts, and creditors in these categories report both positive and negative payment histories to credit bureaus. But those aren’t the only forms of credit that exist.

If you rent an apartment, have a cell phone, or use utilities for your home, those can all be considered credit accounts as well under the latest credit scoring models—the company or creditor in question (think your property management or utilities company) offers you a service and expects you to remit payment after the fact.

You might be wondering where business loans fit in to all this. Even when you borrow money for your business, your personal credit score is very relevant. The reason is that small businesses have high failure rates, so lenders use personal credit score as a proxy to evaluate whether you’re likely to pay back a business loan on time.

how does credit work
Types of Credit

In addition to the different ways that creditors report a borrower’s payment history, there are also two main types of credit accounts, which work a little bit differently in terms of how they process payments and how they’re reported. These are installment credit accounts and revolving credit accounts. Let’s take a closer look at each.
Installment Credit

Imagine that you take out a five-year car loan with 60 monthly payments. When you first open the loan and make your first few payments, your utilization ratio (or your ratio of amount owed to amount paid) will be very high. Closer to the end of the five years, on the other hand, your utilization rate will be much lower because you’ll have made the majority of payments.

A traditional term business loan is a prime example of an installment credit account. It’s closed-ended with specific payment terms, a clearly outlined repayment schedule, and an explicit end date. The utilization ratio on an installment credit contract always decreases incrementally over the life of the loan.

Other examples of installment credit account include car loans, student loans, mortgages, and personal loans.
Revolving Credit

Accounts labeled as revolving credit are probably the ones that you already associate most closely with credit reporting or borrowing funds. A common example of a revolving credit account is a credit card, which offers a set credit limit, minimum monthly payments, and charges interest on any balances carried from month to month.

Another example is a business line of credit. As with a credit card, a line of credit has a fixed credit limit. The lender sets a specific repayment schedule, and when you’ve paid back what you borrowed in full, your available credit goes back up.

Revolving credit offers borrowers a lot of flexibility to spend money now but pay for the purchase when they have the cash available. Of course, that convenience tends to come with a hefty monthly fee in the form of high interest rates.
Types of Borrowers

Not everyone who opens a revolving credit account actually revolves the balance on that account. Creditors typically classify borrowers as either transactors or revolvers, depending on how they go about using their revolving credit lines. This classification has important consequences for your credit.
Transactors

In an ideal scenario, you’d approach every credit relationship with the goal of being a transactor. You have a credit limit on your credit card or line of credit, you spend a certain portion of that limit, and you pay the balance in full each and every month.

The greatest benefit to being a transactor is that, when it comes to credit cards or lines of credit, you never have to worry about hefty interest payments. Because you aren’t carrying a balance month to month, interest charges will never kick in. And equally importantly, operating as a transactor in your credit relationships almost guarantees a positive credit history over time.
Revolvers

Let’s say you have a credit card with a $10,000 limit. If you spend $5,000 toward that limit in one month but only pay back $1,000 of that amount, you’ll be revolving or carrying a balance of $4,000 on that card.

Borrowers who operate as revolvers typically have little, if any, margin in their personal finances. It’s easy to see how—if your spending continues to outpace your payments as in the example above—your levels of debt could skyrocket quickly.

In these scenarios, it only takes one unexpected expense or loss of income to turn a revolving borrower into a delinquent payer.

Sample Credit Report

How Does Credit Work?


Find an NCI-Designated Cancer Center

Use the map or list to find centers by area, region, state, or name.

There are many types of cancer treatment. The types of treatment that you have will depend on the type of cancer you have and how advanced it is. Some people with cancer will have only one treatment. But most people have a combination of treatments, such as surgery with chemotherapy and/or radiation therapy. You may also have immunotherapy, targeted therapy, or hormone therapy.

Clinical trials might also be an option for you. Clinical trials are research studies that involve people. Understanding what they are and how they work can help you decide if taking part in a trial is a good option for you.

When you need treatment for cancer, you have a lot to learn and think about. It is normal to feel overwhelmed and confused. But, talking with your doctor and learning all you can about all your treatment options, including clinical trials, can help you make a decision you feel good about. Our Questions to Ask Your Doctor About Treatment may help.

    Types of Cancer Treatment

    Learn about the different types of cancer treatments, including chemotherapy, radiation therapy, immunotherapy, and targeted therapy.
    Side Effects of Cancer Treatment

    Find common side effects caused by cancer or cancer treatments. Know what signs and symptoms to call your doctor about, ways to manage these problems, and treatment options.
    Clinical Trial Basics

    This section contains basic information about clinical trials, including why clinical trials are important, things to think about when deciding to take part, and questions to ask your doctor.
    Find NCI-Supported Clinical Trials

    Find an NCI-supported clinical trial—and learn how to locate other research studies—that may be right for you or a loved one.
    A to Z List of Cancer Drugs

    Consumer-friendly information about cancer drugs and drug combinations used to prevent and treat cancer.
    Complementary and Alternative Medicine

    Healing philosophies, approaches, and therapies used in complementary and alternative medicine (CAM) in cancer care.
    Questions to Ask about Your Cancer Treatment

    Suggested questions to ask your doctor about treatment choices and the possible side effects of cancer treatment.
    Treatment Research

    Find research articles on cancer treatment, which may include news stories, clinical trials, blog posts, and descriptions of active studies.

Cancer Treatment

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