Vape pens come in cylindrical shapes and distinct styles. When vape pens came out in the 2000s, it was considered innovative to have a huge battery inside and the microchip being inside the battery. Today’s vape pens have many advanced and latest features inside them. Latest vape pens have features that are found in third generation mods to equip the outdated-fashioned devices with today’s vaping technology power. Vape pens are used mostly by teenagers who are new to vaping. Because these are portable and easy to carry, vape pens are sold in huge numbers every year.
So let’s find out about four distinct types of vapes pens.
Tube mods are very portable to use. They can fit right into your pocket. A tube mod is easy to fill and very simply used. It just makes you think as if you are smoking a real cigarette. It just has one button to press which makes it very easy to use. The use of sub-ohm tanks in it are sufficient to address your nicotine cravings. Tube mods have very few features to worry about when adjusting them.
Fixed voltage vapes
All vape pens in start had fixed voltage which could not be altered. These vapes have a consistent voltage output. There is no need to play with the settings since it only comes with one option. Just fire the button and enjoy it.
Variable temperature vapes
These vape pens automatically adjust the power output which depends on the temperature chosen by the user. It does so by automatically adapting to the resistance of the coil to eradicate any dry hits. Variable temperature feature has been implemented on the outdated styled vapes too. Not all vape pens have this feature. It is easy to use, available almost everywhere.
Variable voltage vapes
These vapes are the most bought ones. They have a feature that allows you to control the voltage, thus altering the flavor intensity and the smoke cloud. Older models of vapes also make use of this feature but on less powerful batteries. Today’s variable voltage vape pens operate on powerful batteries. You can play around with this vape by increasing and decreasing the voltage over and over again.
Are vape pens good for you?
As we know everything has it’s own pros and cons. Vape pens are user friendly. They are portable and easy to adjust and use almost everywhere. They come in a huge variety of colors and sizes for you to pick up your favorite combination. They have a more pronounced flavor with a very significant amount of smoke cloud production. You can adjust the amount of smoke if you have the variable voltage vape.
On the other hand, vape pens have short battery life and could be having device issues as well like loose buttons or battery leakage, etc.
Vape pens are affordable for everyone and give you a very good vaping experience. If you are planning to get your first vape pen, you can buy it at Slickvapes.
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
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