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Richest
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On the road again
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What Disney+ Has Done Right and Wrong One Year Later

Disney+ Evaluation

Grading Disney+ after one full year. Chesnot/Getty Images

Much like the President of the United States gives a State of the Union Address every year to highlight our accomplishments and plot a course for our improvements, so too shall we provide an evaluation of Disney+ today, its one-year anniversary. We know, it feels like just yesterday when the Walt Disney Company’s streaming service was merely a twinkle in Bob Iger’s eye. They grow up so fast.

Unlike Netflix or recent SVOD entrants such as Apple TV+ or HBO Max, Disney+ wasn’t forced to do battle with widespread skepticism ahead of its launch. Sight unseen, the service was eliciting can’t-miss-prospect levels of hype akin to LeBron James entering the NBA Draft. “Will Disney+ Change the Way We Evaluate Streaming Success?” Forbes[1] wondered months before Disney+’s November 2019 launch. “Why the Streaming Service Will Be Hard to Beat” The Atlantic[2] proclaimed last April. Twelve months in, the streamer has far exceeded even the loftiest of expectations.

Subscribe to Observer’s Keeping Watch Newsletter[3]

The good: Huge subscriber numbers 

“Like everyone, I think Disney has done an extraordinary job with marketing Disney+, and the Disney+, Hulu, ESPN+ bundle has been a masterstroke in both pricing and convenience on top of pushing ESPN+ to 4x the scale it had before Disney+,” Andrew Rosen, author of media newsletter PARQOR[4], told Observer. Good job, Disney. Here’s a metaphorical medal. 

Disney+ was an immediate success and has continued to satisfy audiences at an incredible rate. The platform garnered 10 million sign-ups within its first 24 hours, raced out to more than 26 million subscribers by February and currently boasts more than 60 million paid subscribers. Disney was hoping to reach the 60 million mark by 2024; instead, the service managed it in less than a year. But just like a helping of hot wings that may be delectable going down, there’s some trouble brewing under the surface. 

The bad: A dearth of must-see titles

Outside of flagship series The Mandalorian, Disney+ has little in the way of must-watch content[5] for subscribers who don’t fall into the Mouse House’s kid-friendly demographic. The final season[6] of Star Wars: The Clone Wars was a big deal to a small contingent of fans, and Hamilton was easily the biggest streaming success[7] of any major player in 2020. But otherwise, Disney+ can largely be forgotten on a day-to-day basis for most folks without children. It’s an issue of volume.

The service rarely makes its way into Nielsen’s Top 10 weekly U.S. streaming rankings, which measures the most popular digital titles by minutes watched and is routinely dominated by Netflix. Without fresh episodes of The Mandalorian to bring in eyeballs, Disney+ fell behind HBO Max, Hulu, Amazon Prime Video and Netflix in streaming share across Q3, according to Reelgood[8]. Even the massively popular[9] return of The Mandalorian is illuminating as ANTENNA data provided to Observer shows that 29% of those who signed up for Season 2 opening weekend had been previously subscribed and canceled in between seasons. The endless back catalog of The Simpsons can only do so much heavy lifting[10] when it comes to churn like that.

But again, the raw totals subscriber-wise are so overwhelmingly positive that it’s difficult to fault Disney+ too harshly. How mad can you get at your baby (Yoda) who gets straight As but occasionally skips class?

Needs improvement: Finding the four quadrants  

In early 2018, former CEO Bob Iger said[11] direct-to-consumer business was the company’s top priority moving forward. In October, the company underwent a major restructuring[12] to further emphasize its D2C revolution. Disney’s streaming bundle—which offers Disney+, Hulu, and ESPN+ for $12.99 per month—has brought the Magic Kingdom to north of 100 million global subscribers. Yet beyond an infusion of more cross-demographic programming to avoid a content drought, there still remains room for improvement across the Disney D2C spectrum. Notably, the ability to hyper target and promote shows to the right pockets of audiences.

“Social sharing points to what they could be doing better, which is marketing beyond the extraordinary Disney ecosystem and creating content that can plug into social media conversations,” Rosen explained. He points to Zoe Kravitz’s High Fidelity as a prime example of Disney’s mixed messaging. Originally intended for Disney+, the show was rerouted to Hulu over concerns of its more adult themes and then largely forgotten by the Mouse’s mass marketing machine. (A similar situation is playing out with the Lizzie McGuire revival[13].) “Neither Disney nor Hulu ever communicated that either was fully invested in getting audiences engaged with the show, audiences didn’t really engage with the show, and then High Fidelity was not renewed for a second season.”

He added: “There were wins to be had with High Fidelity content with target audiences on YouTube, and High Fidelity failed for reasons related to Disney’s learning curve with ownership of the Hulu platform and with marketing to audiences on social media, beyond the extraordinary Disney ecosystem.”

The upshot: Running lean, for now

Disney+, which “only” spent an estimated $1 billion[14] on original content within its first year, needs to build out its library with more attractive multi-quadrant programming. On top of that, the powers that be must grow more comfortable existing outside of the Disney bubble in order to properly promote its content in a social media-driven ecosystem.

Yet with blockbuster Marvel miniseries such as WandaVision[15] and The Falcon and Winter Soldier arriving in the coming months, Disney+ is expected to see further boosts. At the end of the day, maybe it can coast on the franchise brand power alone.

What Disney+ Has Done Right and Wrong One Year Later

References

  1. ^ Forbes (www.forbes.com)
  2. ^ The Atlantic (www.theatlantic.com)
  3. ^ Subscribe to Observer’s Keeping Watch Newsletter (observer.com)
  4. ^ PARQOR (parqor.com)
  5. ^ must-watch content (www.forbes.com)
  6. ^ final season (observer.com)
  7. ^ biggest streaming success (observer.com)
  8. ^ Reelgood (observer.com)
  9. ^ massively popular (observer.com)
  10. ^ heavy lifting (observer.com)
  11. ^ said (observer.com)
  12. ^ major restructuring (www.cnbc.com)
  13. ^ Lizzie McGuire revival (www.cnn.com)
  14. ^ $1 billion (observer.com)
  15. ^ WandaVision (observer.com)

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Away Is Launching a Brand New Core Travel Collection Just in Time for the Holidays

The holidays are almost upon us[1], and cult-favorite luggage brand Away[2] is releasing a major product drop just in time for the festive season. The celeb-approved brand[3] is expanding its core collection in a big way, by nearly doubling its current bags and accessories offerings.

Travel has definitely changed over the past few months amid the coronavirus pandemic, and even though you might not be boarding a plane anytime soon, Away’s latest launch[4] isn’t just about suitcases. Instead, it takes into account our changing definitions of travel, with a slew of new lifestyle accessories that work just as well for your next jet-set adventure as they do for your everyday routine.

Subscribe to Observer’s Lifestyle Newsletter[5]

Away has always planned to expand its core collection[6] beyond just luggage and travel bags, but the COVID-19 crisis is what made the brand decide to “accelerate our development timeline,” Cuan Hanly, Away’s Senior Vice President of Product Design and Merchandise, told Observer. “We’re thrilled that we can deliver these new versatile styles for our community at a time when they will serve the ever-evolving needs of travelers, both now and into the future.”

The new collection includes three new backpack styles in a range of colors, a nylon-and-leather zip tote bag, a laptop bag and a messenger bag, all of which are made of water-resistant materials, with special organizational pockets for tech necessities like your computer or tablet, as well as a little space for your water bottle. They’re all outfitted with a strap so they easily slide onto Away’s signature rolling luggage.

The new products are just as useful for everyday living as they are for big trips. Courtesy Away

Away is also launching a garment bag, and is bringing back its sling bag (also known as a glorified fanny pack) from its chalet collection, as well as the shoe cubes that were initially released as part of an exclusive collaboration with Serena Williams[7].

The brand is releasing both a zip-around travel wallet, with compartments for cash, cards, receipts and travel documents, as well as a leather card holder, a simple fold wallet and a passport holder. In addition to the small and large toiletry bags, Away is now launching a hanging toiletry bag, for when you need a bit more space.

The new travel wallet. Courtesy Away

“We know the holidays are going to look and feel differently this year, and that travel means something unique to each individual,” Hanly explained. “We are confident that there is an Away piece for everyone across our new collections, whether it’s a gift for a loved one excited about a future trip or something to help you travel home safely this holiday season.”

Scroll through the slideshow above to get a sneak peek at the newly expanded Away collection[8], and maybe get some gift inspo for your favorite travel enthusiast—and you might pick out something for yourself, too.

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The 7 Best Credit Repair Companies and Services of 2020

Credit Repair_Featured

Having poor credit can make it a real challenge when it comes to buying a home, car, or getting any type of loan. A low credit score can result in your loan application being denied or it can cause you to pay higher interest rates than normal.

Even if your bad credit is a result of errors on your credit report that aren’t your fault, trying to fix the problem by yourself can be extremely difficult and frustrating. That’s where credit repair companies come into the picture.

A credit repair service is a company that works on your behalf to remove negative items on your credit report such as late payments, liens, charge-offs, debt collections, bankruptcies, and more.

However, not all credit repair companies are created equal. Each company has their own pricing structure and unique methods for repairing your credit score.

We’ve reviewed 17 different credit repair services to figure out which ones are effective, reliable, and provide the best value. Below you’ll find our top picks for the best credit repair companies of 2020.

Top 7 Best Credit Repair Services of 2020

Credit Saint: Best Company Overall

credit-saint

Credit Saint is our top choice for the best credit repair company. Credit Saint has had an outstanding A+ rating at the Better Business Bureau for over 10 years and has helped thousands of customers successfully improve their credit scores.

Credit Saint starts by offering you a free consultation to go over your credit history and to identify negative items that are damaging your credit. Once problem areas have been identified, Credit Saint will send challenges to all 3 credit bureaus on your behalf in an attempt to remove them from your credit report. [1]

Credit Saint can help remove questionable negative items such as:

  • Collections
  • Late Payments
  • Bankruptcies
  • Repossessions
  • Liens
  • Foreclosures
  • Judgements
  • Hard Inquiries

Credit Saint is one of the most aggressive credit repair companies (which is a good thing) but they understand that one size does not fit all. They have 3 different levels of service packages to choose from, depending on your needs.

The Credit Polish package includes challenges to the 3 major credit bureaus, free score analysis, a credit score tracker, and 5 challenges of negative items per dispute cycle.

The Credit Remodel package includes everything in the Credit Polish package but also includes inquiry targeting, on-going credit monitoring through Experian, and 10 negative item disputes per cycle.

The Clean Slate package is the most aggressive option available. It includes everything in the above packages, but also comes with sending Cease & Desist letters on your behalf as well as challenging an unlimited number of inaccurate items on your report.

Out of all the credit repair agencies we reviewed, Credit Saint offers the best bang for your buck. You’ll be assigned a personal case advisor that will be in touch with you every step of the way while they work to fix your credit.

Here is what we like most about Credit Saint:

  • A+ BBB Rating For Over 10 Years
  • Online Dashboard To Monitor Your Progress
  • 90-Day Money Back Guarantee
  • Free Consultation and Score Analysis

Click Here[2] To Visit The Official Credit Saint Website

Lexington Law: Most Reputable Credit Repair Firm

lexington-law

Founded in 1991, Lexington Law is an actual law firm that specializes in credit repair services. Lexington Law is the biggest credit restoration firm in the United States, with over 10,000,000 negative items removed from their clients’ credit reports in just 2017 alone.

Lexington Law is a company with a team of paralegals and lawyers that use specific laws to protect your credit from situations that may be out of your control. This credit repair company can help you if your credit score has been negatively affected by:[3]

  • Identity Theft
  • Divorce
  • Military Service
  • Student Debt
  • Medical Bills

Lexington Law first works by obtaining a copy of your credit reports and then analyzes them for negative items that are harming your score. Their law firm will then send disputes on your behalf to challenge inaccurate items. They’ll provide you with an online dashboard, so you’ll have access to your progress every step of the way as well as solutions that can help you repair your credit even faster.

Lexington Law provides 3 different credit repair packages to choose from, depending on your needs. Price ranges from $89.95 to $129.95.

The Concord standard service is their basic package with prices starting at $89.95 per month. This includes challenging harmful items with the 3 credit bureaus as well as your creditors.

The Concord premier package includes everything in the standard service as well as score analysis, TransUnion alerts, and removing hard inquiries. This option costs $109.95 per month and is their intermediate service.

PremierPlus is their top of the line credit repair service that includes everything in the above packages as well as cease and desist letters, FICO score tracker, identity theft protection, and a suite of personal finance tools. This is their most powerful package at a price point of $129.95 per month.

Here is what we like most about Lexington Law:

  • Over 183 million challenges and disputes sent on behalf of their clients since 2004.
  • Real attorneys that are experts at credit repair law
  • Remove charge offs, late payments, collections, and foreclosures
  • Free credit report consultation and score analysis

Click Here[4] To Visit The Official Lexington Law Website

Sky Blue Credit: Best Value

sky-blue-credit

Sky Blue Credit is a credit repair company that helps clean up errors on your credit profile and raise your score so you can enjoy lower interest rates and get approved more easily when applying for a loan.

The unique selling point of Sky Blue Credit is their flat-rate pricing structure for all of their services. One low monthly fee gets you every feature they offer without confusing pricing plans or costly upgrades. Their price point of $79.95 is one of the lowest in the industry, offering excellent value for those on a budget.[5]

Sky Blue Credit Repair disputes 15 items on your credit report (5 items per bureau) every 35 days. This is a great value compared to credit repair companies that only dispute items every 45 to 60 days, charging you monthly fees during the process.

Once you sign up with Sky Blue, you’ll be provided a detailed analysis of your credit history including any hard-to-spot errors that could be harming you. Once problems are identified, Sky Blue will send customized disputes on your behalf. They also will send re-dispute letters if necessary, to maximize their chances of success. They also check on the statue of limitation for any debt you have as well.

Sky Blue offers their services free of charge for the first 6 days while they gather your reports and also offers an impressive 90-day money back guarantee. If you’re looking for the best credit repair services while on a budget, Sky Blue Credit is a great option to consider.

Click Here[6] To Visit The Official Sky Blue Credit Repair Website

CreditRepair.com: Best Credit Repair App

creditrepaircom (1)

CreditRepair.com is a credit repair agency that boasts over 1,800,000 removals on their clients’ credit reports since 2012. Here is their 3-step credit repair process:

  1. Once you sign up, they will pull your credit reports and identify items from your credit history that might be hurting your score. They then build a game plan for repairing your credit as quickly as possible.
  2. Their credit pros then interact with the credit companies to challenge inaccurate items including charge offs, liens, hard inquiries, foreclosures, and more.
  3. Continuous monitoring of your credit for issues that may arise.

CreditRepair.com provides a variety of tools that help you get your credit score repaired as quickly as possible and keep you in the loop during the entire process. You’ll get a personal online dashboard, score tracker, mobile app, text and email alerts, as well as TransUnion credit monitoring.[7]

CreditRepair.com offers 3 different plans depending on your needs and budget:

  • Basic – Recommended service level for those with just a handful of negative items to dispute.
  • Moderate – Best for individuals with a moderate amount of negative items.
  • Aggressive – Perfect for people that have a large number of negative items.

With monthly plans starting at just $99.95, CreditRepair.com is one of the best credit repair companies in the industry. Here is what we like most about CreditRepair.com

  • Free credit report summary with action plan
  • On-going credit monitoring services provided by TransUnion
  • Personalized credit repair plans to meet your needs
  • Useful mobile app that allows you to easily track your progress

Click Here[8] To Visit The Official CreditRepair.com Website

The Credit People: Fastest Credit Repair

the-credit-people

The Credit People is one of the top credit repair companies of 2020. This company has been in business for over 15 years, offering both monthly pay-as-you-go and six month flat-rate service plans.

The Credit People markets itself for unbeatable customer satisfaction and has earned features in The New York Times, Wall Street Journal, and SmartMoney.

The Credit People says that it can improve your credit score by 53 to 187 points. It’s important to note that these figures are estimates because credit repair companies cannot guarantee their services. (More on this in a moment.) The company also has had nearly 1.5 million negative items removed from credit reports since 2004.

The best overall company for repair speed has an equally impressive pedigree for quality. According to The Credit People website, lenders approved 71% of its users for home loans, and 78% secured auto loans. Its average customer saw a 32% improvement in their credit score after joining.

Some of the other perks of joining The Credit People include:

  • 24/7 account access
  • Unlimited disputes
  • Debt and inquiry validation
  • FCRA certification
  • Toll-free customer support

The company charges an annual fee of $419 rather than a monthly one, making it cheaper than other credit repair services. You can try The Credit People for one week for $19 to see if you like it. The company also offers a 60-day money-back guarantee.

Click Here[9] To Visit The Credit People Website

Pyramid Credit Repair: Best Customer Service

pyramid

Pyramid Credit Repair Company has assisted people with bad credit for nearly a decade. It originally started as a self-help software company in 2011 but has exploded in scope. Today, the New York-based business has 273 dedicated team members and more than 8,000 support team members.

Pyramid Credit Repair offers three packages to improve your credit score: Singles Plan, Couples Plan, and 24/7 Protection. The packages have the same features, including personalized support, finance tools, and no contracts. If you sign up for the Couples Plan, you receive a 50% discount for the first month. Veterans and teachers receive an additional 20% to 15% off, respectively.[10]

The company offers an online safeguard with its 24/7 Protection plan. Credit professionals monitor your scores and reports for inexplicable fluctuations. They also watch the dark web and provide a $25,000 insurance policy in case of identity theft.

Thousands of people trust Pyramid Credit Repair to fix their bad credit. The company has a 4.8 out of five rating on TrustPilot, though it lacks a rating from the Better Business Bureau. Sign up today and take advantage of the company’s flexible billing options.

Click Here[11] To Visit The Pyramid Credit Repair Website

Ovation Credit Services: Best Guarantee

ovation

More than 120,000 people have already improved their credit score, thanks to Ovation Credit Services. The company has made a name for itself with cost-effective results and outstanding customer support. Ovation takes pride in building personal relationships with its customers and finding customized solutions to improve their credit reports.[12]

All clients receive a free consultation during their initial appointment. The meeting gives case advisors a chance to review someone’s credit history and determine the appropriate services. Its site states that a quarter of people have at least one error on their credit report, and more than half have outdated information.

After you sign up to get started with Ovation, your advisor will file disputes on your behalf. That can involve writing goodwill letters or contesting late payments with creditors. Ovation Credit works with credit reporting bureaus to make sure you have an accurate credit score.

The company has a first work fee of $89 for its basic package. After the first month, the work fees drop to $79 per month. Ovation Credit Services has a Better Business Bureau rating of A+ and a 4.3 rating on TrustPilot.

Click Here[13] To Visit The Ovation Credit Services Website

How Do Credit Repair Companies Work?

The best credit repair companies start by downloading your credit reports from each of the major credit bureaus. You can download these documents for free once per year, too, thanks to the Fair Credit Reporting Act. All you have to do is visit annualcreditreport.com or call (877) 322-8228.

The credit repair agencies will send your credit reports through a review process where credit professionals look for errors. Some of the most common mistakes include incorrect balances, inaccurate personal information, and data management errors. Credit repair companies find the ones that drag down your credit score and correct them.

Unfortunately, they can’t fix these items with a magic wand. Companies need to gather evidence proving that the credit report has false information. Building a persuasive case can take anywhere from a few hours to a few days.

Your service provider will then send the dispute and evidence to the appropriate credit monitoring companies. Credit bureaus have a legal obligation to respond within 30 days. They will contact your credit repair company, explain whether they corrected the alleged error and why.

Factors to Consider Before Choosing A Credit Repair Company

Setup Fee

Credit repair can be expensive. Fortunately, most credit repair companies don’t charge a setup fee for you to get started. If a company asks for a large upfront payment, know that it violates the Credit Repair Organizations Act.

Money-Back Guarantee

Most businesses also offer a money-back guarantee because of the Credit Repair Organizations Act. The statute requires credit repair companies to complete their services before charging clients. Most places work around this stipulation by using a monthly pricing model and offering a money-back guarantee.

Don’t let a money-back guarantee make or break your decision. We understand that it’s comforting to have that guarantee in writing before you start. However, it’s more important for you to pick the best credit repair company for your needs.

Free Consultation

Even if you have good credit, you can benefit from a free consultation. Credit repair companies can determine what you’re doing well and where you can improve. They may find questionable items, such as tax liens, late payments, or charge-offs, that lower your score.

Consultants can fix your credit score now and in the future. Learning good financial habits will stop you from making credit repair an annual occurrence. Some tips from credit pros to improve your credit score include:

  • Paying your bills on time
  • Paying off debt
  • Keeping credit card balances low
  • Only applying for new lines of credit when you need them
  • Not closing unused lines of credit
  • Asking to increase your available credit

Flat Fee or Monthly

You have two choices when paying for a credit repair company: a flat fee or a monthly one. Most companies use a monthly fee so that consumers will have greater flexibility with their payments. For instance, Sky Blue offers a flat rate of $79 per month instead of a one-time fee. On the other hand, The Credit People charges a one-time payment of $419 per year, which translates to $34.91 per month.

Good Customer Service

Most credit repair companies offer the same services with slight variations. One of the ways that businesses stand out is through customer service. The best credit repair companies have knowledgeable and friendly credit pros who guide you toward the optimal credit repair options.

If you have bad credit, the odds are that you want to see results as quickly as possible. Exceptional customer service teams will monitor your credit score 24/7 and send you notifications when they see improvements. They can also relay results about disputes and challenges on your credit report.

Customer Reviews

Customer reviews let you know if previous clients had a positive experience with a particular credit repair company. Sites such as Yelp, Google, Yellow Pages, and Angie’s List collect reviews from customers worldwide. While customer reviews shouldn’t make or break a company for you, they can make it easier to find a worthwhile provider.

Don’t forget to check with the Better Business Bureau, too. The non-profit organization helps consumers identify reliable and trustworthy organizations from all industries, and it gives a rating to most companies. Visit its website to see if your credit repair company has a positive BBB rating and customer reviews.

How Long Does It Take to Repair Your Credit?

Credit repair takes three to six months before you can expect to see progress. It may not take as long if you correct your credit score annually or have only a few mistakes. If you have never looked at your credit report, though, it may take more than six months to improve your credit.

Are Credit Repair Companies Worth It?

The process is the same whether you fix your credit with an agency or by yourself. You gather credit reports, look for errors, and submit dispute letters. It helps to have a credit professional guiding you through the process, especially if you’re not a credit expert.

The best credit repair companies take the burden off of you when fixing your credit. They handle error identification, gather documentation, and send dispute letters. Credit repair companies also understand what evidence credit bureaus want if they’re trying to eliminate negative items.

The small sign-up fee or monthly charge can save you tens of thousands of dollars in the long run. A few points on your credit score can make all the difference in your loan and credit card interest rates. As we mentioned earlier, visiting top credit repair companies can save you $40,000 on your 30-year fixed-rate mortgage.

Remember, fixing your credit score isn’t a one-time transaction. It’s something you work on your entire life, so you should develop a favorable rapport with creditors and lenders. Take the time to repair your credit and learn good financial habits that are priceless.

How Much Does Credit Repair Cost?

Most credit repair companies charge a monthly fee between $79 and $129. You may also pay a setup fee or enrollment fee on top of the flat rate. The credit repair service usually takes several months to work but can last a year.

You can buy credit repair software that cuts down the time to navigate credit reports and bureaus. Some companies have a freemium, where you can download the essential software and pay for exclusive features. Most credit repair software costs between $40 and $400, including our favorite, Turbo Score Home.

Do Credit Repair Services Guarantee Results?

Beware of any claims that sound too good to be true. Even the best credit repair companies can’t eliminate a lot of negative credit information quickly. Credit monitoring bureaus take the same amount of time to correct errors, whether they come from everyday people or credit repair companies.

The same goes for promises of specific increases in your credit score. Credit reports are complex documents that fluctuate with every transaction you make. Don’t allow a credit repair company to guarantee results that it can’t keep.

How To Avoid Credit Repair Scams

The federal government passed the Credit Repair Organizations Act in 1968. The statute prohibits credit repair companies from making false or misleading statements about their products or services. Any companies that offer credit repair services must provide contracts in writing and give consumers a chance to cancel the arrangement.

Credit repair companies cannot accept payment until they finish the services. Because it takes six months to improve a credit score and repair credit, you can theoretically wait that long before paying, too. Many companies use a setup or signup fee, first work fee, and monthly payment structure to circumvent this rule.

Being a smart consumer means knowing your rights. The Fair Credit Reporting Act lets you dispute any errors for free. You do not have to pay a company for this service, though it helps to have a credit professional on your side.

Exercise skepticism if the credit companies can’t give you a straight answer or if they provide misleading information. For instance, you should avoid any credit repair companies that tell you to avoid contacting the nationwide credit monitoring bureaus. Don’t let the company misrepresent your information by creating a new identity and credit report with your Social Security Number, either. Make sure they safeguard your privacy.

The 7 Best Credit Repair Companies and Services of 2020

References

  1. ^ Credit Saint (www.takemetothesite.com)
  2. ^ Click Here (www.takemetothesite.com)
  3. ^ Lexington Law (www.takemetothesite.com)
  4. ^ Click Here (www.takemetothesite.com)
  5. ^ Sky Blue Credit (www.takemetothesite.com)
  6. ^ Click Here (www.takemetothesite.com)
  7. ^ CreditRepair.com (www.takemetothesite.com)
  8. ^ Click Here (www.takemetothesite.com)
  9. ^ Click Here (www.takemetothesite.com)
  10. ^ Pyramid Credit Repair (www.takemetothesite.com)
  11. ^ Click Here (www.takemetothesite.com)
  12. ^ Ovation (www.takemetothesite.com)
  13. ^ Click Here (www.takemetothesite.com)

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The Best Astrology Sites: Accurate Online Horoscopes and Chart Readings

Zodiac Signs Inside Of Horoscope Circle. Astrology In The Sky Wi

Astrology readings and horoscopes are a great tool for exploring what the universe has in store for you. Astrology can help you make sense of your past, better understand your present, and provide a glimpse into the future.

But when it comes to getting accurate astrology readings, where should you turn? There are dozens of websites that offer birth chart readings, but unfortunately, most of them are not accurate.

If you want to get a personalized reading that is tailored to your life, you must use an astrologist that is experienced, highly intuitive, and knowledgeable.

For the best astrology sites and the most accurate horoscopes, here are our top recommendations.

The Best Websites For Astrology Readings and Accurate Horoscopes

  • Psychic Source – Best For Love Readings (3 free minutes + 75% off)[1]
  • Keen – Best For Online Astrology Readings (10 minutes for  just $1.99)[2]
  • Kasamba – Best For Accurate Horoscopes (3 free minutes + 70% off)[3]

Psychic Source – Best Astrology Site For Love Compatibility

psychic-source (2)

Psychic Source is our top choice for psychic readings, especially for astrological love compatibility.  Psychic Source has been in business since 1989 and is one of the most trusted websites in the industry.  This company allows you to get an accurate reading via phone call, online chat, or live video. The variety of options available makes it really easy to get a reading anytime and anywhere.[4]

One of the things that separates Psychic Source from other astrology sites is that every advisor in their network is vetted for authenticity.  When you get an astrological reading from Psychic Source, you can feel confident knowing that your advisor is truly authentic, gifted, and experienced.

In addition to Astrology, the Psychic Source website provides a range of other services as well including love readings, dream analysis, tarot, energy healing, and more.

Expert astrologers offer both structured and unstructured readings depending on the type of information you are seeking.  New customers receive three free minutes with their first reading and special introductory rates that are 75% off.

If you’re looking to find clarity about the future through an organized, clean site and user experience, Psychic Source may be the perfect resource for you. 

  • Reputable company with over 30 years in business
  • Categories include love, tarot, dream analysis, chakra balancing, and more
  • Accurate psychic readings by phone, chat, or live video
  • 3 free minutes for all new members

Click Here[5] To Visit The Official Psychic Source Website

Keen – Accurate Astrology Readings Online

keen (2)

When it comes to accurate astrology readings and horoscopes, Keen is one of the best options in the world.  

Keen gives you the option of getting a psychic reading by phone, email or online chat, as well as through their mobile app. With over 1,700 men and women advisors to choose from in a variety of different categories, there are always plenty of experts available to chat with. You can easily sort all of the psychics by price, rating, and specialty to find one that suits your needs. [6]

The astrologers from Keen offer several different types of astrology readings including natal charts, Western, Chinese, and Vedic.  Every psychic is allowed to set their own price and schedule, so you’ll find a variety of different price points to suit almost any budget.[7]

You can view your horoscope for the current day, the following day, the month, and the entire year for free. You can also sign up for the site’s free daily newsletter to receive each horoscope in your email—just provide your name, email address, and birthday. 

For professional astrology readings, Keen is one of the cheapest options available.  The first 10 minutes are just $1.99, which is an amazing deal.  If you’re ready to see what the stars and planets say about your future, give Keen a try.

  • Free daily horoscopes for all 12 zodiac signs
  • Psychic readings via phone, chat, or email
  • Reputable service that has been in business since 1999
  • All advisors are ranked and reviewed by the community
  • First 10 minutes are just $1.99

Click Here[8] To Visit The Keen Psychics Website

Kasamba – Best For Accurate Horoscopes

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Kasamba is the best astrology site for tarot card readings, horoscopes, and a range of other quality services. The site’s advisors utilize the classic 32-card draw cartomancy techniques and also read from a deck of angel cards to provide people with quality life advice. [9]

Kasamba has been in business since 1999, and since then, this astrology site has accumulated more than 3 million customers. Qualified psychic advisors offer readings from your house through online chat or email, and you can get three minutes free with each reading to make sure you connect well with the person before you pay. New members also get a 70%-off coupon to use with their first reading. 

Aside from a tarot card reading, this site offers a wide range of astrology services such as fortune-telling, dream analysis, and career forecasts. They also post detailed daily, weekly, and monthly horoscopes, and their yearly love forecasts page can help you understand the paths of your relationships throughout the upcoming year.[10]

All of Kasamba’s astrology practices are high-quality and reliable, and plenty of positive reviews and comments indicate that this site is one of the best in the industry. 

  • Free astrology readings for first 3 minutes
  • Kasamba offers both Vedic and Chinese astrology
  • Daily, weekly, and monthly horoscopes for all zodiac signs
  • Very accurate horoscope readings by expert astrologists
  • Rated as one of the top horoscope sites on the internet

Click Here[11] To Visit The Official Kasamba Website

What is an Astrology Chart Reading?

Astrology chart readings seek to understand the ways the stars, the planets, your personality, and your future interact with each other. When the best psychics or astrologers study your astrological chart, they consider the following information:[12]

Birth chart or natal chart: Your birth/natal chart reveals the exact placement of the moon, stars, sun, and planets at the time of your birth. Your natal chart includes information such as your sun sign, which determines your most dominant personality trait, and your zodiac sign. 

Zodiac signs: Astrologers determine your zodiac sign, or astrological sign, based on the date of your birth. The twelve zodiac signs are Leo, Aries, Cancer, Pisces, Scorpio, Taurus, Sagittarius, Gemini, Virgo, Libra, Capricorn, and Aquarius. Each sign has its own daily horoscope prediction. 

Lunar phases: The moon cycles through eight phases each month, and the state of the moon during your birth plays into your personality and nature.

Planets: Each planet represents a set of characteristics that affect your personality and the decisions you make throughout your life. As the planets revolve around the sun, their placement plays a significant role in how you feel at any given time. The position of Mercury, Venus, and other heavenly bodies has a profound influence on who you are.

During a birth chart reading, an astrologer will utilize a reliable method of their choosing to uncover information about your psyche and future. They will spend a short amount of time studying your birth chart, horoscope, and zodiac sign, then describe what your chart says about your personality strengths, soul purpose, and life themes.

A lot of people believe that all astrologers can predict actual events of the future, but this is a common misconception. More often, astrology experts will see some images that represent overarching themes in your life. These images may seem like predictions of the future, but they more commonly indicate broader aspects of your psyche or nature rather than actual events. 

One way that an astrologer will reveal your psyche and future is by breaking down your daily, weekly, and monthly horoscopes or readings that forecast your future. Psychics come up with horoscopes based on your zodiac sign, the lunar phase during your birth, the planet alignments, and the personality characteristics that your birth chart reveals. All of this data together paints a unique picture of who you are.[13]

You can also ask specific questions to shape the direction the astrologer takes. You may wonder about love and relationships, fertility, health and wellness, or career advice, and the astrologer can tailor their approach to address these specific subjects. Some astrologists will even provide a free psychic reading in some instances. If you are wondering about a particular event or relationship, make sure to tell your reader ahead of time. Some people focus more on the past during readings, while others look to understand the future. [14]

With the new wave of technology comes the increase in popularity of astrology sites and sources that allow you to access your future at your fingertips. As attested by the countless positive comments from actual users, all three of the above astrology websites offer quality chart readings from the comfort of your own house. Check out any of the links in the above list to begin uncovering what astrology and your horoscope have to say about you.

Additional Free Astrology Sites To Consider

Below is a list of additional sites that didn’t make our top astrology site list, but should be considered nonetheless.

  • Astro Style
  • Astrology Zone (by Susan Miller)
  • Lovelylanyadoo.com
  • Allure.com
  • Horoscope.com
  • Astrology.com
  • CafeAstrology.com
The Best Astrology Sites: Accurate Online Horoscopes and Chart Readings

References

  1. ^ Psychic Source (www.takemetothesite.com)
  2. ^ Keen (www.takemetothesite.com)
  3. ^ Kasamba (www.takemetothesite.com)
  4. ^ Psychic Source is our top choice (www.takemetothesite.com)
  5. ^ Click Here (www.takemetothesite.com)
  6. ^ psychic reading by phone (www.sfexaminer.com)
  7. ^ The astrologers from Keen (www.takemetothesite.com)
  8. ^ Click Here (www.takemetothesite.com)
  9. ^ Kasamba (www.takemetothesite.com)
  10. ^ tarot card reading (observer.com)
  11. ^ Click Here (www.takemetothesite.com)
  12. ^ best psychics (www.sfweekly.com)
  13. ^ Psychics (www.psychics4today.com)
  14. ^ free psychic reading (www.riverfronttimes.com)

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Financial Experts Weigh in on Disney’s Health as the Pandemic Rages

Disney Earnings Q4 Results Stock

What does the financial future hold for Disney? Mateusz Slodkowski/SOPA Images/LightRocket via Getty Images

As the immortal Ferris Bueller once said, “Life moves pretty fast.” Nowhere is this more evident in the entertainment world than at the Walt Disney Company. Across 2018 and 2019, Disney’s movie studio generated north of $20 billion at the worldwide box office while shattering a number of previous ticket sales records. The strength of their globally resonant motion picture division is the primary driver of Disney’s flywheel business model originally designed by Walt himself. Its success flows into every other major facet of the business including merchandise, TV, and parks and resorts, where Disney generates more than one-third of its annual revenue.

Fast forward to 2020 and the coronavirus has infamously kneecapped the Mouse House’s most important silos. Theatrical shutdowns forced by COVID-19 have walled off Disney’s blockbuster pipeline and forced the studio to experiment with unsuccessful PVOD releases[1] via Disney+ (sorry, Mulan). While there’s sound logic[2] behind the decision to reroute Pixar’s Soul to Disney+ proper, we’re confident CEO Bob Chapek would prefer a theatrical release after four of Pixar’s last six films surpassed $800 million. And with parks largely shuttered for much of 2020, Disney is more reminiscent of a burning Rome than the Magic Kingdom.

Subscribe to Observer’s Keeping Watch Newsletter[3]

The lone source of optimism[4] in this hectic year has been the mammoth growth of Disney+, which boasts more than 60 million subscribers. With the U.S. setting a new 2020 record for single day COVID cases this week ahead of Disney’s Q4 earnings call, the future of the company remains as unclear as it did when COVID-19 first struck. To forecast what we might expect from Disney’s quarterly earnings and beyond, Observer spoke to financial experts with an idea of the future.

Haris Anwar, Senior Analyst at Investing.com[5]

Anwar acknowledges how the pandemic exposed Disney’s vulnerabilities after emerging as the most dominant media entertainment conglomerate of the last decade.

“The House of Mouse is in the middle of a nasty downturn,” he told Observer. “Its core business—theme parks and Disney-themed cruises and hotels—which thrives on shared group experiences, is suffering after the global spread of COVID-19 forced the closure of its parks, resorts, movie theaters and cruises worldwide.”

But he also sees Disney’s saving grace: streaming. Between Disney+, Hulu and ESPN+, the Mouse has accumulated more than 100 million global subscribers. Former CEO Bob Iger said in early 2018 that direct-to-consumer business was the company’s top priority moving forward[6]. Two years later, Disney is in prime position to challenge the Netflixes and Amazons of the world.

“One bright spot, however, in the upcoming earnings report could be subscriber numbers on its newly launched streaming service, Disney+ which is benefiting from the stay-at-home environment,” he said. “Shares of the entertainment giant have cut their losses in recent months after falling about 40% in March. The stock is gradually recovering from that dip, fueled by hopes of a quick rebound for all Disney’s businesses once the pandemic is contained.”

David Keller, Chief Market Strategist at StockCharts.com[7]

Over the last 16 weeks, Disney stock has rebounded nearly 20% after a precipitous plunge in March. Disney reopened Magic Kingdom and Animal Kingdom on July 11, with Epcot and Hollywood Studios following on July 15 with strict capacity restrictions and social distancing guidelines. Parks and resorts across China, Japan, and France have partially reopened as well. California’s Disneyland has yet to reopen.

“Disney saw a nice gap higher in August following their last earnings report, but the difference is here is DIS already gapped higher on Monday along with many US stocks,” Keller told Observer. “While Disney’s price has improved this week, it’s worth noting that DIS has underperformed the Consumer Discretionary sector for most of 2020.”

As of this writing Wednesday afternoon, Disney share price was at $138.52, an important benchmark according to Keller. (Its 12 month high came in late November 2019 at $151.58).

“Most importantly, Disney is trading above $135 which is where the stock topped out in September and found support back in January. Traders should focus on the $135 level as a break below this support could indicate further price weakness into year end,” he said. 

Financial Experts Weigh in on Disney’s Health as the Pandemic Rages

References

  1. ^ unsuccessful PVOD releases (observer.com)
  2. ^ sound logic (observer.com)
  3. ^ Subscribe to Observer’s Keeping Watch Newsletter (observer.com)
  4. ^ lone source of optimism (observer.com)
  5. ^ Investing.com (investing.com)
  6. ^ company’s top priority moving forward (observer.com)
  7. ^ StockCharts.com (stockcharts.com)

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