Monday, April 28, 2008
St. Croix Directory of Holistic Health
Looking for balanced health and well being in the USVI? If so, check out the following website: http://www.holistic.massagestcroix.com
Want to lower your cell phone bill?
Are you sure your bill is right? By using Validas you can guarantee that you are being accurately charged and that you have the best cell phone plan for you.
For more information about finding the perfect cell-phone plane for you and Validas, click here.
For more information about finding the perfect cell-phone plane for you and Validas, click here.
Beyond the suggestion box
Want to see corporate democracy in action? Visit Mystarbucksidea.com to view customer suggestions on how to make Starbucks better. Visitors can submit ideas or vote and discuss them. Dell computers launched a similar web site last year called Ideastorm, which was designed from a platform called salesforce.com.
Friendfeed
Want to bring together all of your online lives? Check out Friendfeed.com. This new site allows subscribers to pull together on one web page everything from Facebook, Myspace, Youtube and Flickr.
While it may seem overwhelming right now, the developers are working hard to install filters and other tools to make the site manageable. So, be patient!
While it may seem overwhelming right now, the developers are working hard to install filters and other tools to make the site manageable. So, be patient!
PRBC
Who is PRBC? PRBC (Payment Reporting Builds Credit) is a national consumer reporting agency and credit bureau. PRBC collects, stores, scores and reports bill payment data for "permissible purposes" under the Fair Credit Reporting Act. It is the first credit bureau to give consumers and small businesses a way to build a credit file to demonstrate creditworthiness without the need to go into debt. For more information, click here.
The Big Leap
Looking to make a major career move? If so, check out the following link by Businessweek. This site includes advice about interviews, recruiters, and life transitions.
Road ID
Vist RoadID.com for the following:
If you are a runner, cyclist, triathlete or just a person who doesn't sit on the couch all day, Road ID is for you. This awesome piece of gear not only looks good but it could save your life. In the event of an accident, if you can't speak for yourself, your Road ID will. Available in 5 different styles. It's not just a piece of gear - it's peace of mind.
If you are a runner, cyclist, triathlete or just a person who doesn't sit on the couch all day, Road ID is for you. This awesome piece of gear not only looks good but it could save your life. In the event of an accident, if you can't speak for yourself, your Road ID will. Available in 5 different styles. It's not just a piece of gear - it's peace of mind.
FICO: Credit Education
How are FICO scores created?
FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below.
1. Payment History
- Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
- Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
- Severity of delinquency (how long past due)
- Amount past due on delinquent accounts or collection items
- Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)
2. Number of past due items on file
-Number of accounts paid as agreed
-Amounts Owed
-Amount owing on accounts
-Amount owing on specific types of accounts
-Lack of a specific type of balance, in some cases
-Number of accounts with balances
-Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
-Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)
3. Length of Credit History
-Time since accounts opened
-Time since accounts opened, by specific type of account
-Time since account activity
4. New Credit
-Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
-Number of recent credit inquiries
-Time since recent account opening(s), by type of account
-Time since credit inquiry(s)
-Re-establishment of positive credit history following past payment problems
5. Types of Credit Used
-Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)
Please note that:
-A FICO score takes into consideration all these categories of information, not just one or two.No one piece of information or factor alone will determine your score.
-The importance of any factor depends on the overall information in your credit report.For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your FICO score. Thus, it's impossible to say exactly how important any single factor is in determining your score - even the levels of importance shown here are for the general population, and will be different for different credit profiles. What's important is the mix of information, which varies from person to person, and for any one person over time.
Your FICO score only looks at information in your credit report.However, lenders look at many things when making a credit decision including your income, how long you have worked at your present job and the kind of credit you are requesting.
-Your score considers both positive and negative information in your credit report.Late payments will lower your score, but establishing or re-establishing a good track record of making payments on time will raise your FICO credit score.
For more information about your FICO score, click here.
FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below.
1. Payment History
- Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
- Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
- Severity of delinquency (how long past due)
- Amount past due on delinquent accounts or collection items
- Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)
2. Number of past due items on file
-Number of accounts paid as agreed
-Amounts Owed
-Amount owing on accounts
-Amount owing on specific types of accounts
-Lack of a specific type of balance, in some cases
-Number of accounts with balances
-Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
-Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)
3. Length of Credit History
-Time since accounts opened
-Time since accounts opened, by specific type of account
-Time since account activity
4. New Credit
-Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
-Number of recent credit inquiries
-Time since recent account opening(s), by type of account
-Time since credit inquiry(s)
-Re-establishment of positive credit history following past payment problems
5. Types of Credit Used
-Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)
Please note that:
-A FICO score takes into consideration all these categories of information, not just one or two.No one piece of information or factor alone will determine your score.
-The importance of any factor depends on the overall information in your credit report.For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your FICO score. Thus, it's impossible to say exactly how important any single factor is in determining your score - even the levels of importance shown here are for the general population, and will be different for different credit profiles. What's important is the mix of information, which varies from person to person, and for any one person over time.
Your FICO score only looks at information in your credit report.However, lenders look at many things when making a credit decision including your income, how long you have worked at your present job and the kind of credit you are requesting.
-Your score considers both positive and negative information in your credit report.Late payments will lower your score, but establishing or re-establishing a good track record of making payments on time will raise your FICO credit score.
For more information about your FICO score, click here.
Bento
From Apple: Organization made easy.
Meet Bento, the new personal database from FileMaker that’s as easy to use as your Mac.
Bento brings your important information together in one place to help you get organized. So you can manage your contacts, coordinate events, track projects, prioritize tasks, and more - faster and easier than ever before.
Meet Bento, the new personal database from FileMaker that’s as easy to use as your Mac.
Bento brings your important information together in one place to help you get organized. So you can manage your contacts, coordinate events, track projects, prioritize tasks, and more - faster and easier than ever before.
Thursday, April 10, 2008
Metacritic
Wanna compare different critics for one movie? Check out Metacritic. This site will compare different reviews for each media.
Monday, April 7, 2008
Consumer Vigilante
Tried of call centers? Wanna talk to a live person? Check out Getuman.com for how to circumvent call centers and talk to senior executives.
Thursday, April 3, 2008
A Pirate's Best Friend
Interested in dowloading a movie or song? Visit YouTorrent. Not only will it let you know which web sites have the movie, but also gives you information on which site will let you download it most easily.
Another source for downloading movies is from The Pirate Bay.
Another source for downloading movies is from The Pirate Bay.
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