Does Debt Consolidation Affect Your Credit Score?
Debt consolidation combines multiple debts into one loan, often with a lower interest rate, impacting credit scores initially with a 5-10 point dip due to hard inquiries and new accounts. Long-term benefits include improved payment history and credit utilization. Best practices include timely payments and monitoring credit.
2.5 minute read
Does Testosterone Contribute to Hair Loss?
Testosterone itself doesn't cause hair loss, but its derivative, DHT, does by shrinking hair follicles. Genetic factors influence susceptibility, affecting up to 50% of men and 25% of women by age 50. Treatments include medications like finasteride, natural alternatives, and lifestyle changes. Hair loss impacts mental health.
2.4 minute read
Which is better: Vanguard or Fidelity for investing?
Vanguard and Fidelity are top U.S. investment firms. Vanguard, known for low-cost index funds, suits long-term investors with higher minimums. Fidelity offers zero-fee funds, advanced platforms, and lower minimums, ideal for active traders. Both excel in customer service, with Fidelity offering 24/7 support.
2.2 minute read