The world today is filled with people that smoke. Most of them use vapes or e-cigarettes and 1 in every 20 people on the planet take part in this past time. A large majority of this part of the population are under 35 years old. Of course, with in this statistic there are those who still use traditional products such as cigarettes and cigars but with the rise of the vaping world they too may soon fade away. Amongst these numbers, 1 in 3 e-cigarette smokers are using it daily and a lot of these users tend to smoke more than they would if they were smoking traditional cigarettes. By now, we have probably all seen those commercials on t.v. that explain how many cigarettes equal one cartridge of nicotine.
Although it is always our choice to decide if we pick up smoking or not, sometimes life can bring along certain circumstances that make us feel as if we need that relief. It is clear that any of these kinds of products are not good for our health but some of us choose to do anyways because it brings a sense of calmness and relaxation to that person using the product.
Is Vaping A Good Alternative Over Cigarettes?
If you are a smoker and you do not plan to quit anytime soon, then vaping would be the best route to take for many reasons but keep in mind that it is all in moderation. Vaping can and will still cause health problems but truly can be the perfect alternative for those looking to slow down or slowly quit. There is no comparison between vapes and cigarettes but there are many between the types of vapes and vape products that are available in stores.
Which kind Of Device Should I Choose?
If you are in the market for a new smoking device then make sure you do your research before spending the money on something that may need to be replaced in a couple months. Instead, know what you want to purchase once you walk into your store of choice. Invest in a good battery… some can get way to hot to handle and these are usually amongst the cheaper choices. On the other end f the spectrum you will find much more effective devices such as the Vaporesso Luxe or Vaporesso Target Mini. These are products that will be sure to last you a long time and will leave you feeling as if you had invested in the right product. The higher end devices will cost you about $50-$100 but you will be happy.
What Are the Differences Between Nicotine Vapes and Smoking Cigarettes?
Do you know the differences that can happen by at least switching to vaping? No matter what, let’s be honest, nicotine is nicotine but there are advantages to your health. The most famous question of whether it is safer or not can be answered with a simple yes, it is. Cigarettes have about 7,000 toxic chemicals with in each stick. Vapes have nicotine that comes directly from an extraction of the tobacco plant but they also have the flavorings or e-juices that go along with it. We also do not yet know the effects of the juices on our bodies either but it cannot exactly be good for our health. The process of vaping has only been around for a short amount of time so to say we can properly determine what could happen to our health is unclear.
Also, keep in mind that using a vape can and will be just as addicting if not more addicting than smoking traditional cigarettes. It will be different for everyone but just remember that these vapes are handheld and can be smoked anywhere so it is much easier to smoke the day away as opposed to having to wait for that next cigarette break. So, imagine this, if the stats say each pod is just like smoking 40 cigarettes and you have access to puff on your vape whenever you want then it will be hitting your lips all day long. A cigarette break for the majority of people happens every hour or two, sometimes even longer.
Keep in mind…
Vapes have not been approved by the food and drug administration but can still be found in stores everywhere. In most people’s minds, this makes sense because smoking is bad for you but this did not stop them from approving cigarettes. The differences these days compared to the old days when it comes to the sale and purchasing of these items is that the vapes and e-juices are attracting younger and younger crowds. The devices have been made to look like things that can easily be passed off as something else. This means our teenagers of the world can and will have easier access to these products. The companies that promote these things seem to market the younger generations and they do this by naming these flavors after things that would attract children.
Some examples of what they are naming many of these e-juices are Unicorn Breath, Candy Crush, Blue Razz Lemonade, and Space Jam. These are just a few of the names too, so imagine yourself as a child and you see these items as you walk by. What would come to mind first? Most kids would think, “Yummy, Blue Razz Lemonade!” Let’s face it… it sounds amazing but it is not a drink.
No matter which end of the spectrum you may be on when it comes to vaping and smoking, if you are a daily nicotine user and have no plans to quit anytime soon, then remember to consider a device that will allow you to get your money worth. Investing in a higher end product will ensure that wallet does not hate you in the near future. Purchasing a new, cheaper battery or device will keep you purchasing them every few months or so. If you are going to spend $20 on something every time and find you had to purchase 3 or 4 of them in a year then know that buying one $50 vape will certainly last you through the whole year and then some without having to replace it.
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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