Kitchen Essentials: A Eureka Insight from Our Paid Surveys!

Welcome to another Eureka Insight gleaned from our paid surveys. We make it our mission to help you make money online, offering a fun and engaging side hustle in the form of free paid surveys. Today, we're delving into the world of kitchen appliances—and the results might surprise you.

When asked 'Which small kitchen appliance do you consider the most essential?', the overwhelming response was 'Air fryers!' That's right, these multi-purpose cookers have become kitchen staples for our respondents. They're a testament to how we value multi-functionality and convenience, especially in a time when many of us have found ourselves honing our cooking skills at home.

Why might this be? The air fryer simplifies cooking in many ways. It saves time, reduces the oil needed for frying, and can mimic the results of other cooking appliances. It's a versatile device, capable of taking on tasks once reserved for the oven or stovetop.

It's also interesting to note the other essential kitchen appliances selected by our participants. Following the air fryer were the hot water kettle and blender - key appliances for beverage and meal preparation. Meanwhile, food processors, slow cookers, and stand mixers rounded out our results. This diversity perhaps reflects the various cooking habits and preferences of individuals looking to make the most out of their kitchen tools.

It's clear that, when it comes to kitchen essentials, appliances that offer versatility, convenience, and ease of use stand out. The modern kitchen is a place that embraces innovation and practicality, as discerned from our online surveys. So next time you're in the market for a new kitchen gadget, consider a versatile option like the air fryer, or runners-up like the hot water kettle and blender.

Remember, your opinion matters! By participating in our surveys not only you earn cash but also contribute to insights like these! Eureka Surveys is the perfect way to make money online on the go, right from your phone. Until next time, happy survey taking!

Utilize Eureka Insights to uncover the most essential small kitchen appliances according to our extensive survey population.

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Mobile Gaming Preferences: A Eureka Insight!

In the digital age, mobile games have emerged as a popular pastime. But have you ever wondered what types of mobile games people prefer? Here at Eureka Surveys, we set out to discover just that through our latest paid survey.

Over 36,000 respondents participated in our survey, making insightful choices that give us a broader understanding of the mobile gaming domain. So, let’s delve into our Eureka insights and explore their gaming preferences.

Topping the Charts: Match-3 Games and Logic Puzzles

In a testament to their enduring popularity, Match-3 games like Candy Crush emerged as the top favorite among our respondents. Followed close behind were logic puzzle games, such as Sudoku and crosswords. This indicates that gamers are motivated by challenges that test their strategic abilities and problem-solving skills. It's not just about casual gameplay; it's about engaging the mind and achieving those 'Eureka' moments through play.

The Underdogs: Sorting Games and Hidden Object Games

While Sorting games and Hidden Object games were less popular, they still had a substantial number of devotees. These games, invoking curiosity and a keen eye for detail, create a distinctive niche in the mobile gaming world.

Word games, though not at the very top, also commanded a significant share of gaming preferences, particularly among those inclined towards language-based challenges.

What do these insights say about us? They reflect that mobile games are not just time-fillers; they are avenues for us to challenge our brains, explore our skills, and indulge our interests, all while making money online through platforms like Eureka Surveys.

So, whether you're a casual gamer or embarking on a quest to make money online, Eureka Surveys is here to offer paid surveys as an easy side hustle. Join us today to take part in our free paid surveys, share your views, and earn rewards. Because at Eureka Surveys, your opinion truly counts.

Exploring mobile gaming preferences: A Eureka Insight from our paid surveys!

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Perfect Picnic Locations: Eureka Insights from Our Online Surveys

Welcome back Eureka Survey enthusiasts! If you, like many others, find our free paid surveys as an exciting way to make money online, then get ready for some fun insights as well. Recently, we asked our respondents an interesting question: 'What is the best location for a picnic?' The results might surprise you!

With over 36,000 responses, the park is the leading choice for the best picnic location according to our Eureka Survey respondents. Now, this brings us to an exciting analysis - what’s so wonderful about parks?

Parks are usually in close proximity to urban and suburban homes and offer large open spaces, well-maintained grass, and amenities such as grills and picnic tables. Not to forget, parks are a junction of cooperation and fun, where families come together, kids get to make some noise, and parents can relax and socialize. It’s a win-win situation!

Interestingly, the beach was the second most popular choice. There's an emotional relaxation element attached to the sound of waves, the feel of sand, and the soft murmur of the sea breeze. As for countryside, hilltop and backyard, they reflect more personal, private and adventurous traits of the respondents, forming the remaining choices.

If you found this analysis interesting, remember, Eureka Surveys doesn’t just offer insights. It’s an easy way to make money online. We encourage you to take some time, participate in our paid online surveys, and add to your side-hustle cash online. Every answer counts!

Remember to keep checking back, as we regularly share insights and trends from our many surveys. Not only do you get to make money, you also contribute to our understanding of collective thoughts and preferences. Thank you for being a part of the Eureka community!

Analysis and insights on the perfect picnic locations according to free paid surveys from Eureka Surveys.

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Summer Temperature Preferences: A Eureka Insight from Our Online Surveys

We all trot our own tracks when it comes to indoor cooling during the sweltering summer months. But what does your preferred summer temperature reveal about your potential to make money online? Dive with Eureka Surveys as we expose some cool insights from our recent poll on 'What temperature do you prefer for indoor comfort during summer?'

At first glance, the popularity of the 70-75°F and Below 70°F may make you believe that we are a community of cold-seekers. However, we like to dig beneath the surface at Eureka Surveys. What may unexpectedly connect your temperature preference during summer to your potential to make money online?

Our participants who leaned towards cooler temperatures displayed a particularity: a strong preference for detail-oriented tasks and rigorous methods. These qualities, believe it or not, are paramount in the world of paid online surveys, where attention to question nuances can make the difference between a few cents and a good deal of side hustle cash.

Merging Comfort and Income Generation Opportunities

We found an unusual correlation: participants who preferred mild temperatures (75-80°F) or did not use air conditioning at all were more likely to exhibit an eco-friendly mindset. Such a group would be fascinated by our opportunities surrounding free paid surveys tied to environmental concerns, a great way to contribute to a cause they care about while also earning some cash!

Participants in the 80-85°F group revealed an adventurous streak, a trait that perfectly aligns with our diverse lineup of surveys spanning numerous industries and themes. In the world of online surveys, variety is indeed the spice of life, helping such individuals learn new things and make money online.

Our survey reveals that whether you're a frost-lover or a warm-blooded human, there's an online survey world tailored to your personality. Non-traditional methods to make money are rising exponentially, and Eureka Surveys remains at the forefront, catering to differing personalities, interests, and, yes, even temperature preferences!

To uncover more insights into personal predilections and how they can help you make money, sign up today with Eureka Surveys. Earn while you learn, and discover the Eureka way to monetize your time!

Discover how temperatures preferences during summer can hint at potential means to make money online.

Crop college student using laptop in park

Debate Influence: A Eureka Insight from Our Paid Surveys!

Have you ever wondered how much influence presidential debates actually have on election outcomes? At Eureka Surveys, we strive to reveal insights from everyday people, and to help them make money online, we administer free paid surveys. By taking our online surveys, you not only contribute to valuable data but also find an easy way to make side-hustle cash.

Our recent online survey asked the question: 'What impact do you think presidential debates have on election outcomes?' The poll results were quite intriguing. They suggest a diverse range of opinions among respondents, thereby giving a broad perspective on this issue.

The largest group believed the debates have a 'Moderate impact', followed closely by those who believed they have a 'Significant impact'. The results though fascinating, are not entirely surprising. These perspectives are shaped by various individual elements such as political orientation, media consumption, and personal experience in consuming political debates.

A significant number of respondents were 'Not sure', reflecting the changing dynamics of communication methods and platforms. More than ever, voters are equipped with diverse sources of information about candidates, reducing the sole reliance on debates. Interestingly, a similar number of respondents believed that debates have a 'No impact' or 'Minimal Impact', adding another dimension to the discussion, i.e., the question of the effectiveness of traditional debate formats in the digital age.

At Eureka Surveys, we point to these diverse opinions as an indication of the complexity of public opinion. Our job is not just to offer paid surveys online, but also to paint a clearer picture of public sentiment on important issues. So, if you're looking for an easy way to try and make money online, consider participating in our free paid surveys.

Your opinions matter, and by sharing them, you can contribute to the public discourse while also padding your wallet. Explore our platform, learn how to make money, and find your voice through the power of online surveys!

Evaluating the Impact of Presidential Debates on Election Outcomes: A deep dive from Eureka Surveys. Explore how our survey participants perceive the influence of these debates.

Whether you're looking to build your credit from scratch or you're in need of a quick credit boost, we've got a variety of tips and tactics to help you out.

Below, we'll break down how credit scores are calculated (so that you can reverse engineer the system), what a "good" credit score really is (and why it's important), and then we'll share a variety of credit building tactics to help you build and raise your credit score as quickly, efficiently, and inexpensively as possible. 

So, new credit users and old credit users alike, let's dive in!

A credit score is a three-digit number that lenders use to determine how likely you are to pay back the money that you borrow. The score is made up of a variety of factors and is quite an important part of your financial identity as it can not only affect your ability to borrow money, but also greatly impact how expensive it is for you to borrow.

Credit scores are calculated based on your past credit usage. 

See, whenever you open or apply for a new credit card or loan, make or miss a payment, carry a credit card balance, declare bankruptcy, or conduct some other credit-related activity, that activity is typically reported to one (or multiple) of the three major credit reporting agencies:Equifax, Experian, and TransUnion.

These credit agencies compile all of the information they receive about your credit usage into something called a credit report. The information in your credit report is then grouped into categories and run through an algorithm to calculate your credit score. 

To see how exactly your information is grouped and weighted, let's look at two of the most popular credit scoring models:the FICO Score and VantageScore.

Note:You can receive your credit reports from each of the three major agencies above for free, once every 12 months, from AnnualCreditReport.com.

The FICO Score - one of the most popular credit scoring models - calculates your credit score by grouping your data into five main categories:

Payment history (35%). As you might've guessed, your history of paying your debts on time makes up the biggest chunk of your FICO Score. Lenders want to be sure that you'll pay them back on time, so any missed payments will impact your score quite a bit.Amounts owed (30%). This one might actually surprise you. Believe it or not, the amount of available credit you actively use (i.e. your credit utilization) makes up the second-biggest chunk of your FICO Score. That's because in a lender's eyes, if you're using up almost your entire credit limit (e.g. you have a $4,500 balance on a credit card with a $5,000 limit), that might mean you're short on cash and therefore a higher risk borrower. Length of credit history (15%). This is the third most important category. It looks at the age of your credit accounts along with how long it's been since you used certain accounts. This is far less impactful on your score than your payment history and credit utilization, but still an important factor to be aware of.Credit mix (10%). This category looks at the different types of credit you've used. Ideally, you want a mix of revolving credit (e.g. credit cards) and installment credit (e.g. student loans, auto loans, mortgage). The more diverse your mix, the more proof to lenders that you can handle a variety of credit accounts. But, that doesn't necessarily mean you should go on an application spree. It's better to focus on using your current credit responsibly versus opening new credit accounts simply in hopes of increasing your score.New credit (10%). Speaking of new credit, that's the final category and it makes up 10% of your FICO Score. Opening new credit accounts can affect your score in multiple ways. First, when applying for new credit, lenders will typically conduct hard inquiries on your credit report, and this can ding your score a few points. Second, opening a new credit account can lower your average length of credit history (#3 above), which can also reduce your credit score. On the positive side of things, however, a new credit account might increase your credit mix, resulting in a higher score over time. Still, as mentioned above, you shouldn't apply for new credit unless you really need it. 

The VantageScore, another popular credit scoring model, uses similar data categories, but with a slightly different order of importance:

Total credit usage, balance, and available credit (extremely influential). This is essentially the same as the "amounts owed" category above. And while FICO ranks this category as second-most important, your credit utilization is what impacts your VantageScore the most.Credit mix and experience (highly influential). Having a diverse bag of credit (e.g. credit cards, auto loans, mortgage, etc.) will have a large positive impact on your VantageScore. This is quite different from FICO, where your credit mix only accounts for 10% of your score. Payment history (moderately influential). While your history of paying debts on time is the most important one in determining your FICO Score, it's only moderately influential to your VantageScore.Length of credit history (less influential). Same as the FICO category above.New credit (less influential). Same as the FICO category above.

The typical credit score ranges from 300 to 850. FICO and VantageScore both use this range. However, similarly to how their methods for calculating credit scores differ slightly, they also rank individual scores a bit differently.

< 580 = Poor. At this credit score range, you'll be seen as a high-risk borrower and may have trouble being approved for new credit accounts.580-669 = Fair. If you're in this range, your score is below average, but should still be able to find plenty of lenders that will work with you.670-739 = Good. If you're in this range, you have a near or above-average credit score. Nice!740-799 = Very Good. At this range, your score is above average and you'll be seen as a very dependable borrower. You should be able to secure the best rates in most cases.800+ = Exceptional. Congrats! If you've made it here, you're doing extremely well with your credit. Your score is way above average and you should have no problem being approved for new credit at the lowest available rates. 

300-499 = Very Poor500-600 = Poor601-660 = Fair661-780 = Good781-850 = Excellent

As you can see, the rankings are slightly different, but the idea is the same. A credit score of around 670 is good, but a score in the 760+ range will typically get you the lowest borrowing rates. In fact, John Ulzheimer, financial expert and former employee of FICO and Equifax, says that, "The best-published interest rates for auto loans are 720+ and for mortgages 760+." 

In other words, while getting a perfect 850 credit score is impressive and definitely gives you bragging rights in the finance world, it's really at the 760-780 range that you'll start to see the biggest benefits of a good credit score. 

As we've already mentioned multiple times, the biggest benefit to having a good credit score is that it gives you access to the best borrowing rates. But, how much of a difference does this really make? How much money will a higher credit score actually save you?

Well, if you take a look at the calculator on MyFico, you'll see that the difference can actually be pretty substantial. For example, if you took out a 30-year fixed loan for $100,000, with a credit score of 620-639, you'd pay around $92,970 in interest over the lifetime of the loan. On the other hand, with a score of 700-759, you'd pay just $64,077 in interest over the lifetime of the loan.

In other words, in this case, a credit score increase of around 100 points could save you $28,893. 

Of course, that's just one example, but it goes to show how much of a difference a good credit score can make. 

On top of that, there are many other benefits to a good credit score:

You'll have a better chance of being approved for new credit. Lenders prefer to give credit to those with a good track record. This also applies to credit increases.Landlords will be more likely to rent to you. Yep, landlords check your credit too. And the better it is, the better your chances of being approved as a tenant. Having good credit history can also reduce your security deposit.You might get better rates on insurance. Some insurance companies (think for car insurance or home insurance) consider your credit score as a factor when determining how much to charge you.It might help you land a new job (or promotion). Some employers check credit reports as part of their background check process. A history of on-time payments and well-managed credit accounts can help show that you'd be a responsible employee.You'll be able to get utility services more easily. When applying for services like gas and electricity, utility companies may check your credit history. And, the better your history, the easier it will be for you to get service. 

How to Check Your Credit Score and Reports

As mentioned above, you can receive free copies of your credit reports from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) for free once every 12 months from AnnualCreditReport.com. However, these reports won't include your credit score, so you'll need to go elsewhere for that. 

Your bank or credit card company. Many financial institutions provide credit score services these days. You might be able to find your score through your online banking dashboard or on your monthly statement. Credit Sesame. This service is free to use and uses data provided by TransUnion to provide your credit report and calculate your credit score. Credit Karma. Similar to Credit Sesame, this is a free service. However, Credit Karma provides your reports and scores from both TransUnion and Equifax, so it gives you a bit more data to look at. 

When checking your score, keep in mind that different credit bureaus, creditors, and credit scoring models can result in you having several different credit scores. For that reason, don't be surprised if your scores vary slightly across the different credit score providers above, or if lenders report a different score when you apply for credit.

Note:Checking your credit score using any of the services above won't impact your score in any way. They use what is called a soft inquiry or soft credit check.

Ok, the basics are out of the way. You now know what a credit score is, how it's calculated, why it's important, and how to check your own. Now it's time for the fun part!

You probably already have an idea of how to build good credit and improve your credit score just using the knowledge you gained above, but we've got some additional tactics and tips to help you really become a credit master...

The reason I love the services above like Credit Karma and Credit Sesame is that they allow you to check your credit reports frequently. In fact, Credit Karma updates your reports and scores every single week. While you definitely don't need to check them that often, checking once every few months or so is a good idea.

When you look at your credit report, be sure to keep an eye out for incorrect or inaccurate information. This can either happen accidentally (e.g. due to a typo or name mixup) or it can be an early sign of identity theft. Either way, if you notice anything off, be sure to file a dispute right away. You can do this online with each of the three major credit bureaus. 

Recognizing any mistakes and reporting them right away will keep any incorrect information from affecting your score negatively.

Another thing you can look out for when checking your credit reports is missing information. If a creditor that you're in good standing with isn't reporting your information to the three major credit bureaus, that can have an impact on your score. Try reaching out to the creditor to change this. If they simply don't want to report to the bureaus, there's not much you can do (besides switch to a new creditor), but it's worth asking.

Payment history is the biggest factor considered when calculating your FICO Score so even one missed payment can impact your score majorly. Don't believe me? Just look at this Redditor whose score tanked from 817 to 643 due to one missed mortgage payment. 

To prevent this, you should do two things:

Set monthly reminders before each of your bill due dates. When the reminder goes off, review your bill and pay it in full. Set up an autopay system from your bank account. You can either set this up to pay the bill in full, or to pay the minimum amount. Either way, it's extra protection in case you miss your reminders or something else happens.

Keep in mind, this doesn't just apply to credit cards and loans. If you miss a payment on one of your utility bills, that might be reported to the credit bureaus as well.

3. Keep Your Credit Utilization Ratio Low

As mentioned above, your credit utilization ratio is the amount of your available credit limit that you're actively using. It has the second-highest impact on your FICO score and is "extremely influential" on your VantageScore, so it's important to be aware of.

So how much of your credit limit should you use?

Well, it's generally common advice to use no more than 30% of your available credit at a time (VantageScore themselves recommends it). However, the lower the better. In a CNBC article from 2019, it's quoted that "FICO research shows that the highest-scoring 25% of consumers -- those with a score above 795 -- use an average 7% of their credit limit."

Here are two simple tips to help you get there:

Pay your card balance often. Your current credit usage doesn't actually have an effect on your credit score until it hits your credit report, so if you pay the balance down before then, your credit utilization will stay low. For that reason, paying multiple times throughout the month can be a good idea. Or, at the least, if you have a big transaction one day, pay it off soon afterward to keep your balance low.Ask for a credit limit increase. If you've been with a credit card company for a while now and you've always paid your balance on time, call up the company and ask for a limit increase. Most companies will be happy to do this for you. And by increasing your limit on a pre-existing credit card, you'll lower your overall utilization without having to open a new account. Remember though:just because your limit is higher doesn't mean you should spend more.

4. Think Twice About Canceling Old Credit Cards

If you have an old credit card lying around that you haven't been using for whatever reason and you're thinking about canceling it, think twice. Closing an account can lower your overall available credit and increase your credit utilization, which can have a negative impact on your score. And, although closed cards will remain on your credit reports for 7-10 years after they're canceled, if/when they're removed, your length of credit history can change, which could also affect your score. 

For both of these reasons, if the card doesn't have an annual fee, you're probably better off keeping it open. That said, you'll want to keep some activity on it to avoid it being closed automatically. An easy way to do this is to simply use the card for a recurring monthly subscription (like Netflix). You can then set up an autopay system, put the card in a drawer in your desk, and then just monitor it monthly. 

By doing this, your credit history stays intact, your card stays active, and your credit score should improve over time due to the low utilization.

5. Don't Apply for Too Much Credit Too Fast

Not only would the approvals lower your average credit account age, but all the hard inquiries (from lenders checking your credit reports) will also have a negative effect on your score. Applying for multiple credit accounts in a short time frame can also send off red flags as it can give off the impression that you're short on cash and preparing to take on a ton of debt.

To prevent this, before applying for any new loans or credit cards, do your research to find the very best options. Look for loans/credit cards that not only meet your needs but that you also have a good chance of being approved for. This will help keep your applications to a minimum and will also prevent you from acting too quickly and applying for credit that isn't a good fit.

6. Become an Authorized User on Someone Else's Credit Card

This is an interesting way to build credit without your own credit card. It's also a tactic you can use to rebuild your credit score. 

By becoming an authorized user on someone else's credit card, you can instantly boost your credit history and lower your credit utilization. Just make sure that the primary cardholder you're planning to join has a clean payment history and low credit utilization, otherwise, this tactic might hurt more than it helps. You'll also want to make sure that the card issuer reports authorized users to credit agencies, as not all credit card companies do.

7. Beef Up Your Credit Reports With Utility Payments and Banking Activity

Although things like utility payments and basic banking activities aren't typically included on your credit report, nowadays, there are services that can change that. These typically exist to help those with limited credit history establish credit, but they could help you boost your credit score as well.

Here are two of the most well-known options:

Experian Boost. This is a free service designed to help boost your FICO score by giving you credit for bills like your phone, utilities, and popular streaming services.UltraFico. UltraFico allows you to share data about your banking history (e.g. average account age, cash on hand, etc.) to potentially increase your FICO score.

Neither of these services guarantees a credit score increase, but they're definitely worth a shot. Any little bit helps!

Unfortunately, it's a lot easier to tank a good credit score quickly rather than turn a low score into a high one. If you follow the steps and tips above, you should see your credit score increasing each month, but depending on your starting point, it can take several months in order to reach that coveted "excellent" level.

If you're not getting the results you were hoping for right away, don't get too discouraged. Focus on continuing to build up good credit habits and it will pay off in the end. Good luck!

Learn how to build good credit and achieve a good credit score by seeing how the system really works (and how you can reverse engineer it).