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Top 4 Buy Now Pay Later providers for buying a phone

Top 4 Buy Now Pay Later providers for buying a phone

With the growth of mobile technology, phones have become an indispensable part of people’s lives today. This, however, has also resulted in climbing rates, making phones an increasingly expensive purchase. To make phone ownership easier for customers, several companies offer ‘Buy Now Pay Later’ (BNPL) personal loans. These plans divide the payments into smaller chunks and generally have no associated interest or fees. Here are some of the top BNPL providers to finance phone purchases.

Affirm
Affirm has many different BNPL plans that allow customers to choose between a few payment schedules. One of the most popular is the pay-in-four, where the purchase is divided into four equal installments paid in regular, two-week intervals. Depending on the purchase and retailer, buyers can also opt for 3-, 6-, and 12-month plans. While the pay-in-four plan charges no interest, the monthly plans may have an interest rate of anywhere between 0% to 36%.

Afterpay
Afterpay also has similar plans. When shopping from their partnered retailers, customers can purchase their phones with a BNPL plan on a pay-in-four or a monthly basis. The pay-in-four plan has no associated fees or interest charges. However, the monthly plans can only be used at select retailers for purchases over $400 and may invite an interest of 0% to 35.99% APR.

Klarna
For those looking for longer monthly payment plans, Klarna may be the answer. In addition to their pay-in-four and pay-in-30 plans (which are interest-free), the company offers customers a chance to split their payment anywhere between six months and four years. These monthly payments may have associated interest charges ranging from 0% to 29.99% APR.

Sezzle
Sezzle has a much wider range of retailer partners compared to other options in the market, making it an attractive option for many. The company’s plans are quite similar to the others – pay-in-two and pay-in-four plans that can be availed interest-free, and a range of monthly financing options (from three months to four years), which may be charged with an interest rate between 5.99% to 34.99% APR.

All of these companies may perform a soft credit check, which does not impact one’s credit score. In some instances, customers with a positive repayment history with the company may also be offered more favorable terms to finance their latest phone purchase!

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4 effective flea tablets for dogs

4 effective flea tablets for dogs

Pests can invade a dog’s furry coat and create quite havoc. Some dogs are extremely sensitive to these crawly bugs and can develop skin reactions. That said, several products are available in the market to tackle this problem, and flea tablets are one of them. These fast-acting pills control ticks, worms, and other pests, so pet owners won’t have to worry about infestations. Here are a few trusted flea pills for dogs that will actively protect your pet’s fur coat. Capstar Flea Tablets Capstar is a well-known brand for effective flea-prevention and treatment products. Their flea pills for dogs and puppies can prevent allergy dermatitis, which often occurs due to a flea infestation. Their tablets can start killing these pests within half an hour of ingestion, and they are safe enough for daily single-dose consumption. While no prescription is needed to purchase these, remember to get approval from your vet as they will know if the medicine will agree with your canine. Trifexis Chewable Tablets These strong monthly chewable flea pills for dogs are a good fix for fleas, and they also help keep heartworm disease at bay. They have a blend of pest-fighting agents like milbemycin oxime and spinosad that fight parasites and curb infestation.

Top 3 dog collars against fleas and ticks

Fleas and ticks are parasites that are a nuisance for pets as well as pet parents. If these pests are not dealt with on time, quite a few health problems can occur. In such cases, flea and tick collars are one of the most effective products that can help your dog get rid of these blood-sucking parasites. Here are three of the best flea and tick collars that are popularly used by pet parents. PREVENTIC® Tick Collar for Dogs by Virbac The PREVENTIC® by Virbac is one of the most effective dog collars in the market today against fleas and ticks. Customer reviews suggest that the collar starts killing and repelling parasites on your pet within 24 hours. A single collar can provide protection from fleas and ticks for up to 90 days. Since the active ingredient used in this collar is an odorless insecticide called amitraz. This collar can even be used on puppies as young as 12 weeks. The available sizes of this flea collar are 18 inches for medium to small dogs and 25 inches for large dogs. Seresto® Flea and Tick Collar by Bayer This collar can also be one of your best bets for protecting your dog against blood-sucking parasites.

5 snacks that can help lower cholesterol levels

5 snacks that can help lower cholesterol levels People who struggle with high cholesterol levels tend to begin thinking more about everything they eat. Whether it’s a bowl of fruit or a delicious hamburger, they are left wondering how their choices will impact their numbers. While it is tempting to skip snacking altogether, a healthy snack can go a long way in maintaining metabolism as well as blood sugar and cholesterol levels. Changing the kinds of foods one eats can not only lower cholesterol levels but also improve fat levels through the bloodstream. Here are some great snacks that are extremely helpful in fighting cholesterol. Popcorn Popcorn can be low in calories when one eats a smart serving size and avoids the salt and butter. What’s more, it’s a whole grain full of fiber. Popcorn can be easily made at home by air popping it and adding some olive oil and a little bit of parmesan cheese or a few seasonings for some extra flavor. Using olive oil instead of butter helps lower the bad LDL cholesterol and increase the good HDL cholesterol. Nuts Peanuts, walnuts, almonds, etc. are great for the heart and are powerhouses of energy. Some studies have even demonstrated that nuts slightly lower the levels of bad LDL cholesterol.

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Top 8 cholesterol-lowering foods

An elevated cholesterol level is a huge risk factor for developing heart disease in the long run. One of the best ways of lowering your cholesterol levels is by following a heart-healthy diet. The key is to include foods in your diet that mainly lowers low-density lipoprotein (LDL) or “bad” cholesterol content in your blood. So, here are some foods that can help lower cholesterol levels and eliminate some risk factors for possible heart disease. Dark chocolate and cocoa This is something that many people might love. Research has revealed that dark chocolate and cocoa can lower bad cholesterol content in your blood. However, you must choose dark chocolate with a cocoa content of 75–85% or higher, or cocoa alone to enjoy the benefits. Milk chocolate and white chocolate are high in sugar content, which can negatively affect your heart health. Whole grains Including whole grains like oats, barley, and others in your daily diet is an easy way of lowering cholesterol levels. Whole grains, especially oats and barley, are loaded with vitamins and minerals, plant compounds, and fiber that can help manage cholesterol. So, don’t forget to have a bowl of oatmeal or oat-based cereals for breakfast every day.

Useful ways to treat cold and flu

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