Thursday, October 23, 2008

holy cow.... this weeks computer assignments are pretty insane!!! talk about major insane work. I am having a hard time keeping up with school anyone else??? My sister is having her baby in 6 days it getting really close.. I dont have any kids so i dont know what its like but my little niece seems to be kicking the crap out of her from the inside!!!
I started a new job. I fix peoples credit.. Need help anyone? I had no idea credit was so important. It determines the rate you get on cars, credit cars and mortgages. Bad credit means you cant get into a home, or these days refinance your homes. Five things make up your credit, Credit history- do you make your payments on time?35% Amounts owed- ratio of how much you can borrow to what you are borrowing, keep it under 40%. 30% Kinds of credit- have lots of different kinds, car loan, mortgage loan and credit cards are a good mix.10% Length- how long have you had things open 10%. And New Credit- do you have a lot of new credit opened around the same times... not good 15%.... Well there it is folks.... hopefully that helps a little. good luck people...

1 comment:

tmodey said...

Yes, this class is a lot of fun, but I am having some issues with the excel stuff. Ugh, I hope it get's better. Have a good week, oh and your job seems like fun!