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If you are fond of playing tricks with your electricity or water bills, think again. A bad utility payment record might just deny you that coveted car or housing loan. Credit scoring is set to play a big role in how banks and other financial institution determine who give credit and how much and what rate of interest to charge depending on your financial history. Simply, a credit score is a number representing the credit-worthiness of a person or the likelihood that person will pay his or her debts. It has shown to be very predictive of risk, made credit more widely available consumers and lowered the cost of providing credit. Read More »

It is the season to be jolly and supermarkets, shops and other outlets are posting reminders of this glittering by way of Christmas tress, twinkling, singing Christmas lights and loads of special offers, bargains and prizes with purchases. It is hard not to get swept up in the holiday season fever and spend , spend and spend some more. While the festive season does by necessity come with extra expenses, and it is all good to have fun and take a break with friends and family, do so with a plan. Otherwise, it could mean starting the year with financial hangovers rather than solid ground that will enable you move forward towards financial stability. Staying stuck on the same spot and trying to recover from the last year's mistakes should be avoided at all cost. Read More »

It's so easy to connect your Samsung Galaxy Note to your PC using a USB cable if you want to browse your data files that has been stored on your phone's microSD card, synchronize your contacts or accounts using Samsung Kies, transferring files such as photos, videos, ringtones etc. To do this you may need to have a kies installed on your PC so that the desired USB driver for your Galaxy Note will be installed as well. You can download Kies program from samsung website. www.samsung.com/kies Here's how to connect the Galaxy Note to PC and access the memory card. (a removable disk file directory will appear on your PC, separate from internal memory of your phone. - From idle mode, select Application list. - Then tap on Settings - Tap Wireless and Network - Select USB Utilities - then select Connect Mass Storage to PC. Then connect your Galaxy Note to PC with the USB cable or multifunction jack When connected Touch USB connected or Turn on USB storage - A USB icon will appear i...

Knowledge is power, and small-scale fish farming as an enterprise is no exception! Did You Know? You can realize edible fish production of 4000 Kg/ha, from a stock of 50,000 Tilapia finger-lings using effluent from 60 pigs for one hectare of pond per year! The use of pig manure to fertilise fish ponds is probably the most common way especially in areas such as Kenya and its neighbours, where temperature allows for a long growing season for the fish. The effluent is channeled from the pig pen into suitable ponds, or in some cases pig sties are constructed over ponds so that the waste (fecal matter and urine) drop straight through into the water. The enriched water serves to generate algae, which can be converted by fish into edible protein. Fish production is doubled if the pond water is aerated. As they fill up the sediment, ponds can be dried -out in rotation and the sediment forms rich manure which can be established in the pond beds. Read More »

Do you remember, the classics of don't worry, be happy , the tutti frutti's and the hippy hippy shakes' ? Well, those were all-important beats during cocktail hour. With today's puffing, self-loving rhythmes it's difficult to create that essential sensual, when sipping your mixed cocktail. With Drinkify , a site that matches your cocktail recipes to the music you're currently listening to offers the best solutions to your predicament. Read More »

Of late, have you noticed how varying your website content appears on Google search results? Lack of updating your site often, could spell doom to your online content more than ever before! To ward-off unoriginal, poor-quality and stale content, Google recently updated its search engine using 'panda' technology. Basically, Panda (invented by Google) sorts-out documents on the web i.e. it can be compared to the way you 'tag' your friends on facebook. It scans your content for relevance and quality and classifies it as a high or low quality site. Read More »

Smartphone's increased capabilities such as 3G, Wi-Fi and bluetooth enabled, full touch screen, expandable memory, loads of fun games and apps out-performs it's battery-life usage. No wonder, android and iPhone are always out of juice. You get frustrated and cheated whenever your expectation of a long-lasting battery life as indicated in the phone manual is falsely over-emphasized. For example, a 3.7 volts battery stands no chance of lasting multiple days under a regular workload of browsing the web, searching through apps, sending e-mails and making calls. Read More »

By re-examining the cause and treatment of sore throat throughout my childhood life, my folks avoided their son (me) from being a victim of acute rheumatic fever. As a survivor of this horrific disease, I pay it forward, especially to parents with children diagnosed as having this illness. Rheumatic fever is the commonest cause of heart disease in the young population under age of 40. Both male and female are equally affected. When it affects the heart, it may damage , the valves leading to rheumatic heart diseases. Read More »

Before taking drastic actions towards a stain, try simple remedies. You may try an enzyme detergent but always rub towards the center of the stain. Here are stain removal tips that can used at home: Animal stain: To remove stains such as blood, perspiration, soak in cold water. Wash, put into lukewarm water and boil. Then, bleach in the sun. Vegetable stains: To remove stains such as tea, coffee, fruit which is still wet, put the stained part of the article over a basin or soup plate and pour boiling water. Try rubbing borax on the stain if necessary. For a firmly fixed stain, use a little chloride of lime, being careful not to burn the material. Dissolve 30g chloride of lime in 300 ml. cold water. Mineral stains: Stains such as ink, iron and rust can be removed by using sour milk, juice of a lemon, a green tomato or vinegar. If unsuccessful use salts of lemon, which needs care as it is poisonous. Dissolve 1 teaspoon if salts of lemon in 1/2 cup of boiling water and apply to stain wi...

Success in cooking meat, it is said, begins at the butcher's shop. The right meat cut must be chosen for its own particular method of preparation, be it roasting, grilling, stewing or any other of the numerous forms in which it may be served. Quality in meat is determined by various important factors but for you, as a consumer, it may be measured in terms of tenderness and flavor (a matter of individual taste). Some prefer a full flavor , which is a feature of increasing age, others prefer a less marked relish, but practically all are agreed that the tenderness meat is the best. Read More »