how to build your credit score

the facts are as we know, always pay bills on time and avoid using all your credit limit on your credit card and you never want to cancel them because as i what i have read the longer you have your credit card the better.
if you have poor credit, you may want to apply a secured credit card which is you would put money into it before your can spend.
you can also build credit by other ways like with your apartments and stuff as long as you pay them on time.

From FreeStarCredit.com


Explanation

There are many factors that can influence your credit score. The most important factors are listed below, in their order of importance. Remember, these factors vary in how strongly they impact your credit score. Additional details are provided for some factors to help you better understand how they relate to your credit accounts.Here are the top factors affecting your score:
Credit history
Not enough debt experience - In general, a longer credit history will have a positive impact on your credit score; but, there is little you can do to hurry the process. The length of your credit history has a greater impact if there is minimal other information in your file. Showing activity on different types of accounts can give potential lenders a broader base on which to base your credit history. Keeping older accounts open � even if you aren't using them � may extend your credit history overall as well as for specific types of credit. Most important is to show responsibility with the accounts you have while waiting for time to be on your side.
Credit accounts
Too many accounts close to limit - A major part of your score is determined by analyzing how much you owe, particularly in proportion to your available credit. When a high percentage of your available credit has been used, it can raise concerns that you are overextending yourself and are more likely to make late payments or none at all. Keep in mind that even if you pay your bills in full each month, your credit report will usually show the balance from your last statement. Keeping low balances (30% or less of available credit) can have a positive impact on your credit score.
Account balances
Total balance of revolving accounts is too high - A major part of your score is determined by analyzing how much you owe, particularly in proportion to your available credit. When a high percentage of your available credit has been used, it can raise concerns that you are overextending yourself and are more likely to make late payments or none at all. In addition to considering the amount owed on all accounts, the amount you owe on specific types of accounts, such as revolving accounts, is also a factor. Keep in mind that even if you pay your bills in full each month, your credit report will usually show the balance from your last statement. Keeping low balances (30% or less of available credit) can have a positive impact on your credit score.
Credit history
Length of time since most recent bankcard acct has been established too short - In general, a longer credit history will have a positive impact on your credit score; but, there is little you can do to hurry the process. The length of your credit history has a greater impact if there is minimal other information in your file. Keeping older accounts open � even if you aren't using them � may extend your credit history overall as well as for specific types of credit. Most important is to show responsibility with the accounts you have while waiting for time to be on your side.

Somewhere in Time

Have you ever experienced this?

like a flashback... seeing something from the past when you daydream...

like a feeling you have lived another life before...

if a person's life is planned... by someone...maybe i played too much in heaven before i came down here to live another life and meet my husband.

is there really a heaven or is it just a word to describe something....

like the word "happy".....there's no place Happy...we just use happy to describe something or someone 'coz when i was young i thought the sky is heaven that's why before when i fly a kite i was so happy to see that my kite almost touched it but then i've learned later that the sky is just the cover of the earth and outside is a universe with so many stuff around it...i'm also asking if what is at the very bottom of the universe?.... pffft whatever! I'm going crazy here...

I don't believe that when a human dies, the soul comes back and lives another life but is it possible?

after all, how come water evaporates and comes back to us as rain?

on the other hand maybe the cause why i see things is hunger....i better eat now..see yah!

School in United States

My sister in the Philippines is on her final year in high school. next year she is going to college which is really a good thing. she likes co- curricular activities a lot like school shows etc.
boy she always wants to join. I said there's nothing wrong with that but she spends money on clothing for those activities and she only gets to wear them once...my mother was nagging 'coz she says it's a waste of money. Well i said you can say that again because i think the school should provide it...it should be part of the school's budget so that every year if they want to do the same "little show" they can lend those paraphernalia’s to the new student heir. there are more important things for the money like for uniforms, shoes, tuition fees etc.
now i remember when i graduated from high school the school never gave me my diploma because i owed them money from those gospel or It's like small books with comics on it and stuff, they said it's an educational piece of reading material that they gave out to students every now and then....most are thrown everywhere.. and when i enrolled for college my report card got a note "she has outstanding balance on her account".pffft!

I told my mama that here the children doesn't wear uniform. i see them wearing a backpack and they look just like they're heading for the park.... talking about "comfortable"...
I’ve heard the tuition is free too for high school here.
And talking about College Schools in United States, There's one here that i went to for information and initial application last month. it’s a private college and they offer 3 programs that is business office admin, medical assistant and something about Technology. Associate Degrees (2 years).
Well I was so Interested 'coz it's 4 days a week, 4 hours a day...great schedule for full time workers...unfortunately it was $28,000 for 2 years, I passed the Entrance Exam....timed for 12 minutes 50 questions (laughing***) and I qualified for Sallie Mae student loan which is suppose to cover about more than half of it but did not for the federal "free money" 'coz i worked last year and i beat the poverty line which means that i've earned so much...stated in my taxes for me not to be given free money for school...
well now I’m trying again....for public schools 'coz they're cheaper ..hopefully next year.

it’s all about trying...it's ALWAYS been.

P.ost S.cript
thanks for reading.

***day off and feeling blue
I want to gaze into those filthy sea...
oh philippines how i miss you...
most i love in life are free..

Life with no job

So it's been a while since I’ve visited my blog 'coz I was fixing things and my husband was out of work or job whatever because businesses keeps closing these days...economic reasons...
it was funny actually 'coz the company was bought by another company who have the same business and then closed it down...my husband said they don't want competition something like that.

He gets unemployment benefits though from the government but it's not enough compares to the money he was getting when he's still employed but anyway I think it's better than nothing at all. he's looking for another job though but god...it's that scarce...
I was thinking because in the Philippines we don't have unemployment benefits so if you don't work you don't have anything... that's the difference

my other blog

visit my other blog too if you have the time. thanks.
www.dreamlights222.blogspot.com

Favorite Quote

From the Movie "Grumpy Old Men"

**"The only thing in this life that you regret are the risks you didn' take

and that If you see a chance to be happy, grab it with both hands and to hell with the consequences."**

The Necklace by Guy De Maupassant

I like short stories. One I like most is the story about "the Necklace".

This is a story about a woman who was married to a poor man. She wasn't happy at all.

She envied other women because they have the best and she got nothing.

"She had no clothes, no jewels, nothing. And these were the only things she loved; she felt that she was made for them. She had longed so eagerly to charm, to be desired, to be wildly attractive and sought after".

She had a rich friend, an old school friend whom she refused to visit, because she suffered so keenly when she returned home. She would weep whole days, with grief, regret, despair, and misery.

And then one night she got an Invitation for a very special occasion where big people will be present. She wasn't happy at all because she was thinking about the dress she's going to wear. So the husband spent the money he was saving to buy a dress. But then she was still unhappy because she doesn't have any jewel to go with the dress.

""I'm utterly miserable at not having any jewels, not a single stone, to wear," she replied. "I shall look absolutely no one. I would almost rather not go to the party."
"Wear flowers," he said. "They're very smart at this time of the year. For ten francs you could get two or three gorgeous roses."
She was not convinced.
"No . . . there's nothing so humiliating as looking poor in the middle of a lot of rich women."

So what she did was, she went to see a rich friend and asked her to lend her a necklace. She got a very beautiful "diamond necklace".

The day of the party arrived and She was the most beautiful woman in there.

"She left about four o'clock in the morning. Since midnight her husband had been dozing in a deserted little room, in company with three other men whose wives were having a good time. He threw over her shoulders the garments he had brought for them to go home in, modest everyday clothes, whose poverty clashed with the beauty of the ball-dress. She was conscious of this and was anxious to hurry away, so that she should not be noticed by the other women putting on their costly furs. "

They arrived home when she found out the diamond necklace was gone. They went searching and looking but they were not able to find it.

"By the end of a week they had lost all hope.
Loisel, who had aged five years, declared:
"We must see about replacing the diamonds."

"He did borrow Money getting a thousand from one man, five hundred from another, five louis here, three louis there. He gave notes of hand, entered into ruinous agreements, did business with usurers and the whole tribe of money-lenders. He mortgaged the whole remaining years of his existence, risked his signature without even knowing it he could honour it, and, appalled at the agonising face of the future, at the black misery about to fall upon him"

"She came to know the heavy work of the house, the hateful duties of the kitchen. She washed the plates, wearing out her pink nails on the coarse pottery and the bottoms of pans. She washed the dirty linen, the shirts and dish-cloths, and hung them out to dry on a string; every morning she took the dustbin down into the street and carried up the water, stopping on each landing to get her breath. And, clad like a poor woman, she went to the fruiterer, to the grocer, to the butcher, a basket on her arm, haggling, insulted, fighting for every wretched halfpenny of her money"

And this life lasted ten years

After ten years everything was paid off. She looks very old because of all the hard work.

One Sunday, she caught sight suddenly of a woman who was taking a child out for a walk. It was her friend. still young, still beautiful, still attractive.
She went up to her.
"Good morning, Jeanne."
The other did not recognise her, and was surprised at being thus familiarly addressed by a poor woman.
"But . . . Madame . . ." she stammered. "I don't know . . . you must be making a mistake."
"No . . . I am Mathilde Loisel."
Her friend uttered a cry.
"Oh! . . . my poor Mathilde, how you have changed! . . ."
"Yes, I've had some hard times since I saw you last; and many sorrows . . . and all on your account."
"On my account! . . . How was that?"
"You remember the diamond necklace you lent me for the ball at the Ministry?"
"Yes. Well?"
"Well, I lost it."
"How could you? Why, you brought it back."
"I brought you another one just like it. And for the last ten years we have been paying for it. You realise it wasn't easy for us; we had no money. . . . Well, it's paid for at last, and I'm glad indeed."
Madame Forestier had halted.
"You say you bought a diamond necklace to replace mine?"
"Yes. You hadn't noticed it? They were very much alike."
And she smiled in proud and innocent happiness.
Madame Forestier, deeply moved, took her two hands.
"Oh, my poor Mathilde! But mine was FAKE!

See That my Point here is that We should not compare our life to someone else. It's natural for a person to get jealous. It's in our nature but we should not let it ruin our life. People are different from one another. Other people might be rich but are they completely happy? Think about all the wonderful things that you have that other people don't have. Happiness is also about being contented, Humble life.

Posted by: Sin Nombre

Do u know?

That ants can carry 50 times it's own weight? waaa

Virtual Makeover (wow) T.I.P.S.

http://www.marykay.com/whatsnew/virtualmakeover/default.aspx?contentredirectsid=245

So you're on the mirror thinking about getting a haircut but you don't know which hairstyle will be best for you. Maybe I can help because...

I wanted to get a haircut too because of all the split ends on my hair. I'm a round faced so I had to search online the hairstyle that would look good on me.

Then I've found this website. You can upload your own photo and then you can play with it.

Try different hairstyle even makeup. I really enjoyed it. It's pretty clever. Try it. Amazing.

you can also try fresh look website if you want to know what you look like with another eye color. www.freshlook.com

Commute

I just miss everything about the Philippines. The photo above is another form of transportation in my province. The driver uses his feet to move this tricycle around. This is a hard work especially when it's too hot or raining but that's life.
Speaking about Transportation, I want to talk about buses too. In the Philippines, Especially on the provinces, you get on the bus and then wait for the collector person to collect your fare. Some of the passengers don't pay because they could sneak out from the back. both doors are open all the time and they pick up and drop off passengers from every place. They won't run the bus without at least 20 or more people inside. they wait and wait for more passengers before they go, to save gas i think. To tell the driver you want to get off, you shout it or tap a coin on a steel handle, it makes pretty loud clinking noise.
Here on the other hand, Each bus got it's own schedule and route (most of them are available only once every 1 hour) so they will run the bus even if there's only one passenger. Every route got a particular bus number so you will know exactly where to ride. the fare system is easy. I buy my tickets online. each of them are $1.75 and you swipe them on the counter when you get on the bus like a credit card. To tell the driver you've arrived, you pull a cord beside you and then the driver will see the sign "stop requested". the doors are always closed. air conditioned vehicle.... I usually ride on bus because I can't drive but I really don't mind riding bus to my work. It's cool.

native fruits of the philippines

I'm craving for my native foods. It's not easy to find them here in United States. Once, I went to a store, I've seen Rambutan on a pile. I was so happy to see them but I did not buy any 'coz they were almost $1 a piece. So I said to myself, Oh well I'm going to have them anyway when i go philippines for vacation....hm they look so delicious though (sigh sigh)*

Those Yellow round things are named Santol fruit. In English, you call them wild mangosteen . It's sour when it's unripe, It contains a milky juice. It's my favorite fruit actually. There's more native fruits i want to talk about but I can't take it anymore. I just want to eat this picture....

Beauty Tips

Puffy Eyes?

Run teaspoons under cold water, and place on eyes for a few seconds. Close the eyes, then using the rounded edge massage gently by rolling back and forth over the eye area.

for more beauty tips visit...
http://www.eyeslipsface.com/tips.asp

Talking about Poverty

You can Imagine the hardship of being "poor". yup! I know what it's like...going to school wearing the same shoes I had for years...can't afford to buy notebooks or a new bag. Recess time and i only have 50 cents on my hand. If I’m lucky....if not then I don't have anything at all. Weekends and there's no classes, I go around neighborhood selling banana or dried fish...sometimes bed mats, ("banig" in my native tongue) yelling..."buy this mats....It's big enough for 5 people!!! you all could fit in here....when you're standing!!!" lolz...or I offer to throw out neighbors garbage’s from their door way and being paid like 5 pesos (good enough for 10 pieces of bread). I dragged them far away down to the..........river....nyehehehe.
well I didn't know any better. I was like 9 or 10 yrs. old and I saw people do it. I thought it was ok..
I'm talking about this because I saw this news from the Philippines and It’s really inspiring...Gosh!

***Thousands of students from remote barangays (sections of a town) have to walk two or more kilometers of rough road to get to school. But there are also a handful who must swim the same distance, through the open sea, in order to get an education.
Jay Taruc (a newscaster) documents the unforgettable struggle of the Magalumbi island children of Iloilo. Queenche is 10 years old, Raul is 13, and along with their younger siblings, they swim home from school every single day.
Their fishermen fathers take them to the mainland via banca (small boat) in the morning. But after school, they must prepare themselves for the inevitable. As their parents are out making a living, the children must all swim home – a two kilometer stretch that takes them half an hour in good weather. The children are fearless as they brave the deep waters, that at certain points go all the way down to twenty feet. The younger ones hold onto a bamboo log for support in case they get tired. But jellyfish thrive in this sea in the months of June and July and the heavy rains that sometimes surprise them in the midst of their swim make the journey very dangerous. Unable to take their schoolbooks home with them, the kids have to bury their things under the sand every afternoon. In the morning, once they hit the beach, they quickly dig up their books and rush their assignments before getting to school.
It’s no wonder no child from Magalumbi has yet managed to graduate from high school. Queenche dreams of being the first, and of someday even making it to college...

Good luck to you Quenche!
Poverty is not an excuse for a person to not reach his dreams 'coz I....entered high school w/out any money, I had to work for the school...cleaning all those classrooms every summer.. scrubbing the floors and walls. Imagine those wooden chairs I had to carry.... a hundred of them in one day... Then I went to college and entered University without any money.... I once again, worked as a student assistant. I attended school for free. Go Figure!-
Posted by: Sin Nombre

Glossary

**(Banig is a handwoven mat usually used for sleeping. Technically, it is not a textile. Depending on the region of the Philippines, the mat is made of palm (buri), pandan or sea grass leaves. The leaves are dried, usually dyed, then cut into strips and then woven into mats which could be plain or intricate. Above is a fine example of a buri mat woven by the Samals of Sulu - in this case, dyed strips of buri are woven to produce the design. Another region in the Philippines which is famous for intricately designed mats is Samar where the mats are usually made of pandan leaves dyed green, then different colored buri strips are inserted into the plaits to make the design.)***

Meet Friends

Myspace is great but is getting too crowded so i had to delete my profile and settled to friendster instead (http://www.friendster.com/).
I've only added few friends....most of them were friends i've been with when i was still in the philippines.
Try it. This an awesome website.

The Most Amazing Bird

einstein.....
http://youtube.com/watch?v=tsu3bxuxoFY

Friendship

a true friend stabs you front faced

The Bells

poem time! practice your English pronunciations and rhymes!!!

1849The Bells by

Edgar Allan Poe

I Hear the sledges with the bells-
Silver bells!
What a world of merriment their melody foretells!
How they tinkle, tinkle, tinkle,
In the icy air of night!
While the stars that oversprinkle
All the heavens, seem to twinkle
With a crystalline delight;
Keeping time, time, time,
In a sort of Runic rhyme,
To the tintinnabulation that so musically wells
From the bells, bells, bells, bells,
Bells, bells, bells-
From the jingling and the tinkling of the bells. ------

Hear the mellow wedding bells,
Golden bells!
What a world of happiness their harmony foretells!
Through the balmy air of night
How they ring out their delight!
From the molten-golden notes,
And an in tune,
What a liquid ditty floats
To the turtle-dove that listens, while she gloats
On the moon!
Oh, from out the sounding cells,
What a gush of euphony voluminously wells!
How it swells!
How it dwells
On the Future! how it tells
Of the rapture that impels
To the swinging and the ringing
Of the bells, bells, bells,
Of the bells, bells, bells, bells,
Bells, bells, bells-
To the rhyming and the chiming of the bells! ---------

Hear the loud alarum bells-
Brazen bells!
What a tale of terror, now, their turbulency tells!
In the startled ear of night
How they scream out their affright!
Too much horrified to speak,
They can only shriek, shriek,
Out of tune,
In a clamorous appealing to the mercy of the fire,
In a mad expostulation with the deaf and frantic fire,
Leaping higher, higher, higher,
With a desperate desire,
And a resolute endeavor,
Now- now to sit or never,
By the side of the pale-faced moon.
Oh, the bells, bells, bells!
What a tale their terror tells
Of Despair!
How they clang, and clash, and roar!
What a horror they outpour
On the bosom of the palpitating air!
Yet the ear it fully knows,
By the twanging,
And the clanging,
How the danger ebbs and flows:
Yet the ear distinctly tells,
In the jangling,
And the wrangling,
How the danger sinks and swells,
By the sinking or the swelling in the anger of the bells-
Of the bells-
Of the bells, bells, bells, bells,
Bells, bells, bells-
In the clamor and the clangor of the bells! ----------

Hear the tolling of the bells-
Iron Bells!
What a world of solemn thought their monody compels!
In the silence of the night,
How we shiver with affright
At the melancholy menace of their tone!
For every sound that floats
From the rust within their throats
Is a groan.
And the people- ah, the people-
They that dwell up in the steeple,
All Alone
And who, tolling, tolling, tolling,
In that muffled monotone,
Feel a glory in so rolling
On the human heart a stone-
They are neither man nor woman-
They are neither brute nor human-
They are Ghouls:
And their king it is who tolls;
And he rolls, rolls, rolls,
Rolls
A paean from the bells!
And his merry bosom swells
With the paean of the bells!
And he dances, and he yells;
Keeping time, time, time,
In a sort of Runic rhyme,
To the paean of the bells-
Of the bells: --------

Keeping time, time, time,
In a sort of Runic rhyme,
To the throbbing of the bells-
Of the bells, bells, bells-
To the sobbing of the bells;
Keeping time, time, time,
As he knells, knells, knells,
In a happy Runic rhyme,
To the rolling of the bells-
Of the bells, bells, bells:
To the tolling of the bells,
Of the bells, bells, bells, bells-
Bells, bells, bells-
To the moaning and the groaning of the bells.

English language

Now i'll be talking about language differences.
I am currently working in a place where my co-workers are Spanish speakers and I’ll tell you that it was really hard communicating with them. Most of the time I don't understand the instructions they're giving me and the most funny thing happens on lunch breaks and such. I would sit there and eat with them and they would chat and I don't understand a thing.. then I would notice I need to file my fingernails or I’m getting more split ends on my hair....hm anyway, they are good people...they greet you good morning everyday even if you don't...of course if you don't they'll get tired and won't say it to you anymore...which is what happened to me. nyahahaha. ever felt that "don't talk to me!" every morning? Well some of them do speak English a little bit for basic communication. There is a 38 years old co-worker who's going to attend school to learn English and another 27 yrs. old told me that "It's never too late to learn you know'. I said Right on!
I am not very good with the
language either but at least im trying my best....with all of the staggering, stammering, nonsense slang’s...

The best place to retire.

well i was born in the philippines and lived there for 20 years. with my native culture i know exactly where to retire. philippines...... is where you'll see neighbors sharing foods on christmas or birthdays or on any other special occasions...where neighbors loan a cup of rice, sugar, oil, vinegar,salt or soy sauce..where you can find retail stores sell piece by piece products including dried fishes ...if you'll notice the camaraderie tho...that's the life!....hehe

Climb those coconuts and eat them on top of the tree..nyahaha why not?

wash your laundry on the river.....and take a bath there too...don't worry the water is so fresh and clean...(provinces)...never in manila....

or rest in the afternoon under a tree on a hammock...wow the fresh air...

can't get enough of this...

Happiness

I see my life and i'm not quiet satisfied.....i know that contentment is acquired from not wanting more but when you're 21 and you're still looking for yourself, lost your way, you don't see what the future lies ahead.... what carreer path you wanted to take... it'll kind of freak you out....

Happiness is a child who giggles when seeing bubbles and thinks they are the most amazing things.

this is from my favorite book quoted:

It isn't the great big pleasures that count the most; it's making a great deal out of the little ones-discover that the true secret of happiness is that to live in the now. Not to be forever regretting the past, or anticipating the future; but to get the most that you can out of this very instant 'coz most people don't live; they just race. They are trying to reach some goal far away on the horizon, and in the heat of the going they get so breathless and panting that they lose all sight of the beautiful, tranquil country they are passing through; and then the first thing they know, they are old and worn out, and it doesn't make any difference whether they've reached the goal or not.

then i guess the point of this is to live happy and appreciate the things you see everyday even those little ones...'coz every day is a happy day!

oh happy day, oh happy day!!!

when jesus washed

washed my sins away...

oh yeah!!!

this is under construction

this is my very first blog and i've no idea how to make it good enough so i was playing with it for hours...changing the blog name, looking for layouts...well i'm still fixing it but there's those collections of my favorite websites that you can play with right on my page for now. goodnight...im sleepy.....yawn*yawn*yawn*

Entertainment

youtube is a good entertainment....yeah i know....no need to tell you that.. but i want you to watch these hilarious prank shows in case you still don't know 'bout them. you will surely enjoy it.
keyword is FUNNY PRANKS or JUST FOR LAUGHS.
Enjoy!!!

for example http://youtube.com/watch?v=XCZKrAnRTfg

Philippine Remittances

Do you send money to the philippines? well check this out....your first transfer is free...
http://www.remithome.com/ Referral Code: 14588

this is where i was sending money for 2 years now...great service and higher currency exchange rate.

Clothes for Tall women

I always have this problem with clothes 'coz i'm tall and slender and sometimes it's hard to find clothes that will fit me. i was searching clothes online just for the sake of browsing and i've found these websites...I thought it would be nice to share it with you...

http://www.chadwicks.com/?affiliate_id=023&affiliate_location_id=01&WT%2Emc_id=k115513&mid=j14626341

http://www.jjill.com/jjillonline/prodnav/tall_default.aspx?BID=S2008180110426B5090113185C41AA823A84&h=T&=sk=T

(.)

http://www.longtallsally.com/category.aspx?currentcategory=home%7cswimwear&pageno=3

Florida

hello guys. ok i really don't know how this thing works. so i'll start from scratch. hm.....