Good Credit Score Quotes

Orgasms are a myth. Like good credit scores.

When we mentally give a person, place, or point in time more credit than ourselves, we create a fictitious ceiling. A restriction over the expectations that we have over our own performance in that moment. We get tense. We focus on the outcome instead of the activity and we miss the doing of the deed. We either think the world depends on the result or it's too good to be true. But it doesn't and it isn't. And it's not our right to believe it does or is. Don't create imaginary constraints. A leading role, a blue ribbon, a winning score, a great idea, the love of our life, euphoric bliss... Who are we to think we don't deserve these fortunes when they're in our grasp? Who are we to think we haven't earned them? If we stay and process within ourselves, in the joy of the doing, we will never choke at the finish line. Why? Because we're not thinking of the finish line. We're not looking at the clock. We’re not watching ourselves on the Jumbotron performing. We are performing in real time where the approach is the destination.

If you don't take good care of your credit, then your credit won't take good care of you.

If repairing one's credit is as easy as sending some dispute letters to the credit bureaus then why doesn't everyone have good credit?

Oh well,' said Jack: and then, 'Did you ever meet Bach?' 'Which Bach?' 'London Bach.' 'Not I.' 'I did. He wrote some pieces for my uncle Fisher, and his young man copied them out fair. But they were lost years and years ago, so last time I was in town I went to see whether I could find the originals: the young man has set up on his own, having inherited his master's music-library. We searched through the papers — such a disorder you would hardly credit, and I had always supposed publishers were as neat as bees — we searched for hours, and no uncle's pieces did we find. But the whole point is this: Bach had a father.' 'Heavens, Jack, what things you tell me. Yet upon recollection I seem to have known other men in much the same case.' 'And this father, this old Bach, you understand me, had written piles and piles of musical scores in the pantry.' 'A whimsical place to compose in, perhaps; but then birds sing in trees, do they not? Why not antediluvian Germans in a pantry?' 'I mean the piles were kept in the pantry. Mice and blackbeetles and cook-maids had played Old Harry with some cantatas and a vast great passion according to St Mark, in High Dutch; but lower down all was well, and I brought away several pieces, 'cello for you, fiddle for me, and some for both together. It is strange stuff, fugues and suites of the last age, crabbed and knotted sometimes and not at all in the modern taste, but I do assure you, Stephen, there is meat in it. I have tried this partita in C a good many times, and the argument goes so deep, so close and deep, that I scarcely follow it yet, let alone make it sing. How I should love to hear it played really well — to hear Viotti dashing away.

Because I have so many deeply held opinions about gender equality, I feel a lot of pressure to live up to certain ideals. I am supposed to be a good feminist who is having it all, doing it all. Really, though, I’m a woman in her thirties struggling to accept herself and her credit score. For so long I told myself I was not this woman—utterly human and flawed. I worked overtime to be anything but this woman, and it was exhausting and unsustainable and even harder than simply embracing who I am.

That one’s yours and that one’s mine.” Like we’re cars. And I don’t feel like I’ve ever been one of the good cars. No one’s ever seen me and said, “I get that one!” They’re more like, “I get that one? Um, okay.” Or even, “I get that one? You owe me.” It’s so sad to think that people are incurring debt based on my appearance. I’d hate to hurt someone’s credit score. So

Now you fall across the bed when you're not sleepy but just tired of the way you live--or aren't living. From the outside you shouldn't be complaining, but success and a good credit score can't love you. Or give you an orgasm. You even empty the trash and wonder what you're really throwing away. You comb your hair and put on makeup and buy something pretty to wear and get your nails and toes painted hot pink even though you don't feel hot, and you wonder who will even notice. You shave your legs and under your arms and get your eyebrows waxed, and you wonder who will notice. And then, one day, out of nowhere, you stop wondering and start worrying that the best part of your life is behind you. Is this how it's going to be forever? Is this all there is? God, you hope not.

One day over breakfast, a medical resident asked how Dr. Apgar would make a systematic assessment of a newborn. “That’s easy,” she replied. “You would do it like this.” Apgar jotted down five variables (heart rate, respiration, reflex, muscle tone, and color) and three scores (0, 1, or 2, depending on the robustness of each sign). Realizing that she might have made a breakthrough that any delivery room could implement, Apgar began rating infants by this rule one minute after they were born. A baby with a total score of 8 or above was likely to be pink, squirming, crying, grimacing, with a pulse of 100 or more—in good shape. A baby with a score of 4 or below was probably bluish, flaccid, passive, with a slow or weak pulse—in need of immediate intervention. Applying Apgar’s score, the staff in delivery rooms finally had consistent standards for determining which babies were in trouble, and the formula is credited for an important contribution to reducing infant mortality. The Apgar test is still used every day in every delivery room.

Which one was it? He’ll pay for it with his life, I swear to you.” “Settle down, Gray. And for God’s sake, don’t go punching yourself in the eye just to even the score.” Gray shot him a look. “Not amusing, Joss.” “Oh yes, it is. Give me credit for a joke when I make one. It’s nothing, Gray. I’ve had worse. You’ve given me worse. And it’s no more than a man can expect, I suppose, when he’s an alleged pirate.” “Piracy charges.” Gray cracked his neck. “What a joke.” This was the voyage he’d finally gone respectable, and what had it gotten him? Jilted and jailed. No good deed went unpunished.

He had lived a man's life, and now it was at an end, and what had he to show for it? Two horses and a few fixin's and a letter of credit for three hundred and forty-three dollars. That was all, unless you counted the way he had felt about living and the fun he had had while time ran along unnoticed. It had been rich doings, except that he wondered at the last, seeing everything behind him and nothing ahead. It was strange about time: it slipped under a man like quiet water, soft and unheeded but taking a part of him with every drop - a little quickness of the muscles, a little sharpness of the eye, a little of his youngness, until by and by he found it had taken the best of him almost unbeknownst. He wanted to fight it then, to hold it back, to catch what had been borne away. It wasn't that he minded going under, it wasn't that he was afraid to die and rot and forget and be forgotten; it was that things were lost to him more and more - the happy feeling, the strong doing, the fresh taste for things like drink and women and danger, the friends he had fought and funned with, the notion that each new day would be better than the last, good as the last one was. A man's later life was all a long losing, of friends and fun and hope, until at last time took the mite that was left of him and so closed the score.

You ever choked? You know what I mean, fumbled at the goal line, stuck your foot in your mouth when you were trying to ask that girl on a date, had a brain freeze on the final exam you were totally prepared for, lipped out a three-foot putt to win the golf tournament, or been paralyzed by the feeling of “Oh my god life can’t get any better, do I really deserve this?” I have. What happens when we get that feeling? We clench up, get short of breath, self-conscious. We have an out-of-body experience where we observe ourselves in the third person, no longer present, now not doing well what we are there to do. We become voyeurs of our moment because we let it become bigger than us, and in doing so, we just became less involved in it and more impressed with it. Why does this happen? It happens because when we mentally give a person, place, or point in time more credit than ourselves, we then create a fictitious ceiling, a restriction, over the expectations we have of our own performance in that moment. We get tense, we focus on the outcome instead of the activity, and we miss the doing of the deed. We either think the world depends on the result, or it’s too good to be true. But it doesn’t, and it isn’t, and it’s not our right to believe it does or is. Don’t create imaginary constraints. A leading role, a blue ribbon, a winning score, a great

It seems to me," he said, "that we as a society have come to overlook the second clause. We hear only 'Take what you want, says God'; nobody mentions a price, and when it comes time to settle the score, everyone's outraged. Take the national economic explosion, as the most obvious example: that's come at a price, and a very steep one, to my mind. We have sushi bars and SUVs, but people our age can't afford homes in the city where they grew up, so centuries-old communities are disintegrating like sand castles. People spend five or six hours a day in traffic; parents never see their children, because they both have to work overtime to make ends meet. We no longer have time for culture--theaters are closing, architecture is being wrecked to make way for office blocks. And so on and so forth." He didn't sound even mildly indignant, only absorbed. "I don't consider this anything to become incensed about," he said, reading my look. "In fact, it shouldn't be remotely surprising to anyone. We've taken what we wanted and we're paying for it, and no doubt many people feel that on balance the deal is a good one. What I do find surprising is the frantic silence that surrounds this price. The politicians tell us, constantly, that we live in Utopia. If anyone with any visibility ever suggests that this bliss may not come free, then that dreadful little man--what's his name? the prime minister--comes on the television, not to point out that this toll is the law of nature, but to deny furiously that it exists and to scold us like children for mentioning it. I finally had to get rid of the television," he added, a little peevishly. "We've become a nation of defaulters: we buy on credit, and when the bill comes in, we're so deeply outraged that we refuse even to look at it.

Note, however, that a community’s supply of social rewards is limited, so we’re often competing to show more loyalty than others—to engage in a “holier than thou” arms race. And this leads, predictably, to the kind of extreme displays and exaggerated features we find across the biological world. If the Hajj seems extravagant, remember the peacock’s tail or the towering redwoods. But note, crucially, that sacrifice isn’t a zero-sum game; there are big benefits that accrue to the entire community. All these sacrifices work to maintain high levels of commitment and trust among community members, which ultimately reduces the need to monitor everyone’s behavior.38 The net result is the ability to sustain cooperative groups at larger scales and over longer periods of time.39 Today, we facilitate trust between strangers using contracts, credit scores, and letters of reference. But before these institutions had been invented, weekly worship and other costly sacrifices were a vital social technology. In 1000 a.d., church attendance was a pretty good (though imperfect) way to gauge whether someone was trustworthy. You’d be understandably wary of your neighbors who didn’t come to church, for example, because they’re not “paying their dues” to the community. Society can’t trust you unless you put some skin in the game.

Chapter 3 What to Do with Money as You Save It Chapters 1 and 2 should have helped you understand the theory behind frugality and develop a practical plan to live on less than half your take-home pay; all in the context of building up your first $25,000. After reading those two chapters, you should understand what you need to do to put yourself in position to save thousands of dollars per month on a middle class income. Now, it’s time to deploy those savings in such a way as to develop your first year of financial runway. Your goal is stockpile a reserve capable of funding your frugal lifestyle for around a full year. Unlike many Americans who struggle to make ends meet, you now face a new problem. A good problem. You now have to decide how to deploy your rapidly expanding savings so that they extend your financial runway as much as possible. There are three initial steps that should be completed, in order, for the seeker of early financial freedom to build up that one-year stockpile. These three steps are (1) to build up an emergency fund of $1000 to $2000; (2) to pay off all “bad debts” (we define this term below) and build strong credit; and then (3) to build up one year of financial runway in the form of cash or equivalents By completing these three steps, readers will set themselves up for the next phase of wealth generation, discussed in part II. They will have the cash and credit they need to buy a home with ease, and will have the financial runway they need to pursue career opportunities with little risk of financial ruin. Central to the discussion in this chapter will be the concepts of debt—both good and bad debt—and credit. We must pay off our bad debts immediately, and treat them as a financial crisis. Good debts can still delay financial freedom, but may not need to be paid off early if money can be put to higher and better use in the meantime. While paying off bad debts and managing other debts, readers will want to focus on improving their credit scores as much as possible, and increase their access to credit.

Credit reporting agencies and other consumer data aggregators are extremely good at returning complete and accurate information even when identities are manipulated. It’s central to their business and there are extraordinary business and regulatory pressures on them to do this well. However, finding all of the relevant data sources, investigating documents provided in many different formats, putting it all together and offering a clear scoring decision is not something that can be easily accomplished.

Bruce Mesnekoff Discussing About Refinancing Student Loan and Consolidation Loan repayment is a major goal for any graduate after college. According to our Expert from Student Loan Help Center, Mr.Bruce Mesnekoff, Every individual dreams of a loan free future and having some financial stability. To achieve this, there are options available to help with loan repayment. In our earlier article we spoke about consolidating student loans. In this article, we will discuss refinancing student loans and its associated advantages. So Bruce Mesnekoff, how consolidation and refinancing are different in terms? These two terms are used interchangeably by most people but there is substantial difference between the two. Understanding the difference is critical to know when can each be used and whether it will solve your purpose or not. Consolidation lets you combine all your student loans into one loan and pay interest at a weighted average. Refinancing is taking a new loan to pay off all your student loans. Refinancing is not available for federal loans but only for private loans.Also only private loan lenders provide the option of refinancing, though a few might provide you with the option of refinancing private and federal loans. Why Refinancing and Bruce Mesnekoff tells us what are the Advantages of it? Refinancing has certain benefits if you get good pay. You will have to pay lesser interest rate. This helps you save monthly and eventually a bigger bank balance down the years. Your credit score is high which will help you gain multiple offers from lenders with lesser interest rate. Offers you variable loan interest which come handy if you took loan when interest rates were too high. You also have the option of decreasing your loan repayment cycle, This will increase monthly repayment amount but you will be loan free in shorter time and will save on even more interest money. Disadvantages There is one major disadvantage that comes when you refinance private and federal loans. The benefits offered by federal loans like public loan forgiveness program or income driven repayment will not be transferred to private lenders. So if you are truly confident of your income then you can do away with such options and completely rely on private loans. So Bruce Mesnekoff , Can you tell us Eligibility Criteria, I think its most important for our students. The eligibility is determined by your financial stability, your credit score, employment history etc. If you have poor credit, you can always have a co-signer to make the process feasible. Refinancing is surely a great way to save money, but whether it best fits you or not is completely your decision. Thoroughly analyze all the pros and cons against your goal and then take the first step. Make the best use of the number of lenders available to provide you with the best solution for your areas of concerns. Good Luck! You can also contact Bruce Mesnekoff an author of The ultimate guide to student loans and CEO of Student Loan Help Center Florida.

You ever choked? You know what I mean, fumbled at the goal line, stuck your foot in your mouth when you were trying to ask that girl on a date, had a brain freeze on the final exam you were totally prepared for, lipped out a three-foot putt to win the golf tournament, or been paralyzed by the feeling of “Oh my god life can’t get any better, do I really deserve this?” I have. What happens when we get that feeling? We clench up, get short of breath, self-conscious. We have an out-of-body experience where we observe ourselves in the third person, no longer present, now not doing well what we are there to do. We become voyeurs of our moment because we let it become bigger than us, and in doing so, we just became less involved in it and more impressed with it. Why does this happen? It happens because when we mentally give a person, place, or point in time more credit than ourselves, we then create a fictitious ceiling, a restriction, over the expectations we have of our own performance in that moment. We get tense, we focus on the outcome instead of the activity, and we miss the doing of the deed. We either think the world depends on the result, or it’s too good to be true. But it doesn’t, and it isn’t, and it’s not our right to believe it does or is. Don’t create imaginary constraints. A leading role, a blue ribbon, a winning score, a great idea, the love of our life, euphoric bliss, who are we to think we don’t deserve these fortunes when they are in our grasp? Who are we to think we haven’t earned them? If we stay in process, within ourselves, in the joy of the doing, we will never choke at the finish line. Why? Because we aren’t thinking of the finish line, we’re not looking at the clock, we’re not watching ourselves on the Jumbotron performing. We are performing in real time, where the approach is the destination, and there is no goal line because we are never finished. When Bo Jackson scored, he ran over the goal line, through the end zone, and up the tunnel . The greatest snipers and marksmen in the world don’t aim at the target, they aim on the other side of it. When we truly latch on to the fact that we are going to die at some point in time, we have more presence in this one. Reach beyond your grasp, have immortal finish lines, and turn your red light green, because a roof is a man-made thing.

Up-front investment to try to professionalize the supply side early on in a network’s development inevitably comes with risk. In a well-publicized misstep for Uber, the company sought to expand its supply side by financing vehicles to provide cars to potential drivers who didn’t own vehicles, a program called XChange Leasing. The hypothesis was that this should push these drivers into power-driver territory quickly. Payments could be automatically deducted from their Uber earnings, and their driver ratings and trip data could be used to underwrite the loans. XChange Leasing unfortunately lost $525 million and failed to professionalize the driver side of the market. The problem was, it attracted drivers highly motivated by money—usually a positive—but who didn’t have high credit scores for good reason. They often failed to make payments, using their Uber-provided car to drive for competitors and avoid the automatic deductions. They would steal the cars and sell them for, say, half price. They would drive for Lyft instead of Uber, as a way to avoid the automatic payment deductions—they would try to have their cake and eat it, too. Uber needed to organize a massive repossession effort to get the cars back, but it was too late—many had been sold illegally, some finding themselves as far away as Iraq and Afghanistan, GPS devices still attached and running. This is a colorful example of how scaling the supply side, when a lot of capital is involved, can be tricky.

Question: “Do you accept the XYZ government assistance program?” Answer (if you don’t want to accept that program): “One of our screening standards requires a minimum monthly income of three times the rent.” Question: “I was evicted three years ago. Is that a problem?” Answer: “One of our screening standards requires good references from all previous landlords for the last five years.” Question: “Do you rent to people with bad credit?” Answer: “One of our screening standards requires a credit score of at least 600.

What does a merchant do when a potential customer walks into a store and wants to purchase a ton of goods on credit? A solution was offered by the “The Society of Guardians for the Protection of Trade against Swindlers and Sharpers,” established in 1776. This society pooled data from 550 merchants to collect information on the reputation of customers. This would make it much harder for a bad customer to defraud multiple merchants. Its key principle: “Every member is bound to communicate to the Society without delay, the Name and Description of any Person who may be unfit to trust.” In other words, this was the beginning of credit scores as a means to assess the trustworthiness of a customer for loans—no swindlers or sharpers allowed. This Society of Guardians was not the only credit bureau—thousands of similar small organizations were formed over the years, collecting individual names and publishing books with various comments and gossip. Modern giants Experian and Equifax grew from these small, local bureaus. Experian started as the Manchester Guardian Society in the early 1800s, eventually acquiring other bureaus to become one of the world’s largest. And Equifax grew from a Tennessee grocery store in the late 1800s, where the owners started compiling their own lists of creditworthy consumers. These bureaus tended to combine into larger bureaus over time because of what’s often described as a “data network effect.” When a bureau works with more merchants, it means more data, which means the risk predictions on loans will be more accurate. This makes it more attractive for additional merchants to join, who contribute even more data, and so on. Being able to accurately assess lending risk allows the rest of the network to function—consumers can borrow to get the goods they want, merchants can sell their products profitably, and banks can help underwrite the loans. This network is held together by credit bureaus like Equifax and Experian, who centralize consumer data.

BENEFITS OF MSME REGISTRATION There are diverse blessings that groups get after acquiring MSME registration in India below the MSME act. They are as follows: COLLATERAL FREE BANK LOANS Collateral loose loans are loans supplied to the lender through the borrower with none guarantee. One can method a borrower for a mortgage despite the fact that he/she has not anything to spend money on or pledge. The Government of India has made collateral-loose credit score to be had to all small and micro-enterprise sectors. This initiative ensures finances to micro and small-zone firms. Under this scheme, each the vintage in addition to the brand new firms can declare the advantages. REGISTRATION SUBSIDY A big 50% subsidy is given to the status quo having a certificates of registration granted through MSME. This subsidy for patent registration may be availed through filing packages to diverse ministries. CONCESSION ON ELECTRICITY BILLS One of the large advantages to the MSMEs, organizations registered below the MSME act can get a concession on strength payments. For doing this, they should post the payments along side an utility and a replica of the registered certificates through MSME. PROTECTION AGAINST DELAYED PAYMENTS Taking into consideration the uncertainty with the sales technology through diverse groups, the authorities offers a layer of defensive to them in opposition to bills. The Ministry of Micro, Small, and Medium Enterprise has given enterprise proprietors and firms to acquire hobby on bills not on time through the client. Under the MSME registration advantages, a client is predicted to make a fee for the goods/offerings inside 15 days of the purchase. If the client delays, the fee for greater than forty five days, the agency is eligible to rate compound hobby that's three instances the charge notified through RBI.

Just as the United States helped create the prosperity that enabled the Party’s control, U.S. technology has been copied, repurposed, and enhanced to secure that control—sometimes with investment from U.S. venture capital. Across China, a program known as Police Cloud allows for the collection and integration of previously unimaginable amounts of information: who you’re in contact with, what you buy, where you travel, when you shop, whether you pay your parking tickets, and so on. A “social credit” system allows the government to affix a score to someone: How reliable are you? Could you pose a threat of some sort? You live your life with the knowledge that the sum total of your actions could be evaluated by someone, somewhere, with some purpose. This creates incentives and disincentives, given the reach of the Party into people’s lives. Disincentives are clear: Say the wrong thing, and you could end up detained. But the incentives may be even more powerful: Want a good job? Want your kids to get into a good school? You may have to consider those aspirations with everything you do.

From an Editorial review with SPR - Self Publishing Review on 4/17/20 "A compassionate and expert guide. Unlike many other financial self-help books, Lewis strikes a good balance between anecdotal stories and specific strategies that can be readily applied to help improve one’s credit score. She writes with conviction and confidence, while maintaining a relatable voice, and tackles the delicate subject of bankruptcy with a clear head and obvious expertise, making this guide a brief but indispensable read." Self-Publishing Review