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.
Monday, April 28, 2008
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.
Wednesday, March 12, 2008
What is Buck Island, USVI?
Buck Island is considered a national monument, and consists of approximately 700 acres of Caribbean Sea and 180 acres of land. Several species of coral and approximately 90 species of fish inhabit the monument waters. When visiting the Monument you will be introduced to the Barrier Reef which is the single most outstanding feature. The Barrier Reef surrounds much of Buck Island as a submerged fortress-like wall rising ovre 30 feet from the sea floor to dominate the underwater scene.
A Lagoon is enclosed between the island and the barrier reef. Light aquamarine colors are produced by sunlight reflecting off of its shallow sandy floor.
The Marine Garden consists of the barrier reef and the lagoon. Regulations protect this very special and private place from all forms of consumptive uses like fishing, shellfishing, shell collecting, and coral collecting.
Patch Reef and Seagrass Beds are also found in the monument waters. These host and protect many juvenile species of fish from predation. Turtles are frequent visitors as are stingrays.
The Underwater Trail features signs that explain coral reef ecology as your snorkel along it. You will experience an infinite variety of shapes ,colors, patterns, and textures in this undersea fantasy world.
The Island has a summit rising just over 300 feet above the sea. It hosts picnic areas, hiking trail, and an observation tower for visitors to explore.
For more information about Buck Island:
National Park Service - Buck Island Info
A Lagoon is enclosed between the island and the barrier reef. Light aquamarine colors are produced by sunlight reflecting off of its shallow sandy floor.
The Marine Garden consists of the barrier reef and the lagoon. Regulations protect this very special and private place from all forms of consumptive uses like fishing, shellfishing, shell collecting, and coral collecting.
Patch Reef and Seagrass Beds are also found in the monument waters. These host and protect many juvenile species of fish from predation. Turtles are frequent visitors as are stingrays.
The Underwater Trail features signs that explain coral reef ecology as your snorkel along it. You will experience an infinite variety of shapes ,colors, patterns, and textures in this undersea fantasy world.
The Island has a summit rising just over 300 feet above the sea. It hosts picnic areas, hiking trail, and an observation tower for visitors to explore.
For more information about Buck Island:
National Park Service - Buck Island Info
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