|How Your FICO Score Affects Your Ability to Get a Loan - FICO (Fair Isaac Corporation) is a company ...|
|Tue, 07 Mar 2017 19:05:20 +0100|
How Your FICO Score Affects Your Ability to Get a Loan
FICO (Fair Isaac Corporation) is a company that works to analyze information and predict what will happen. A FICO score is a credit score that the company assigns to an individual or organization based on how well they believe that party will be able to pay back their loans. FICO reports are generated based on the information recorded about the borrower from three different credit bureaus: Equifax, TransUnion and Experian. There will be a different score for each different credit union.
Why Is It Important?
When lenders hand you money, they are taking a risk. They have no way to know for sure if it is a good investment. A FICO score helps them to predict how likely you are to repay your loans, based on your past credit and loan repayment history. It determines how likely they are to want to offer you money, as well as how they determine how much interest to charge you, either based on your loans, assets, or income.
What is a Good Score?
There is not an exact value that lenders look for in a FICO score. However, the higher the FICO score, the lower the interest rate on the loan will be. Generally speaking, with a FICO score greater than 740 the lender will pay more attention to the amount of assets you have, rather than the amount of debt, and you will be more likely to get a loan with a lower interest rate. With a FICO score below 680, the lender will focus more on the amount of debt you have when considering you for a loan, and you will have a higher interest rate.
|6 Tips for Moving With Pets Plan Ahead Be prepared for moving day, and make sure your dog or cat is ...|
|Mon, 06 Mar 2017 19:10:07 +0100|
6 Tips for Moving With Pets
Be prepared for moving day, and make sure your dog or cat is prepared too. Take them on a mini road trip before the big day, so they can get used to being in the car, and especially to being in a crate. Make sure your animal has spent some time in their crate before moving day, so that this does not become an unfamiliar and stressful experience.
Don’t Pack All At Once
Even when you’re going on vacation, your pet knows what it means when you start packing your suitcase. Don’t pack everything all at once; give your animal time to get used to some of the boxes and suitcases before making huge piles of them.
Find a Vet Ahead of Time
Locate a good veterinarian before you get to your new location. Have your current vet send all their files over to the new organization to avoid hassle and be prepared if your animal gets sick.
Order New Tags
Make sure to get new tags for your pet before you move, so you have them ready as soon as you arrive at your new address. If your pet does get lost in a new neighborhood, it will be harder for them to find their way back home.
Keep Them Away From Stress
While you and the movers are loading the truck, keep your pets away from the activity. Unusual activity and lots of strangers running around is likely to cause them stress. Have them play in the backyard or stay in the basement, away from all the excitement while you pack.
Find Pet-Friendly Places
Dog parks, a big back yard and certainly a pet supply store are good to have nearby. Look for a house that is pet-friendly, and locate the nearest places to exercise your pets and find food and supplies for them.
Remember that just as moving is stressful on you, it can be stressful on your animals too. Take precautions to make sure that you are prepared for the move and that your animal is as used to the idea as possible.
|Three Keys for Preparing for a Successful Remodeling Project - Remodeling even a small room in your ...|
|Fri, 17 Feb 2017 19:50:07 +0100|
Three Keys for Preparing for a Successful Remodeling Project
Remodeling even a small room in your home is a major undertaking so planning is important. Before you strip a piece of wallpaper or pick up a hammer, take some time to get prepared and you’ll save yourself a lot of aggravation – and some of the cost!
1. Know What You Want
This may seem ridiculously obvious, but plenty of people go into a remodeling project with only a sketchy idea of what they want. If this is your first project, get in touch with your inner sense of OCD and plan out every single step before you start anything. Know what colors you want to use, the materials you’ll need and exactly what you want the end result to be.
2. Determine What You Can Do … And What You Can’t
Doing some of the work yourself is a great way to keep costs low, but only if you can actually do the job. Be realistic about what you can accomplish on your own or with the help of family and friends and when you’ll need to call in the professional. Refinishing your cabinets? That’s a great long weekend project for a team of two or more. Doing something with the electrics or plumbing? Call in a professional.
3. Be Clear with Your Contractor and Yourself
Once you know what you want and where you’ll need help, sit down with your team (friends and professionals) to detail exactly what you want and exactly how much time and money you have to allocate for things. Professionals will be able to give you more options if they know your budget and your priorities. This also ensures that everyone is on the same page in terms of what’s happening and talking it over together will let you brainstorm about solutions for potential problems.
|What do Water Stains on the Windows Mean? - Water stains on your windows can be created in a number ...|
|Thu, 09 Feb 2017 16:05:13 +0100|
What do Water Stains on the Windows Mean?
Water stains on your windows can be created in a number of different ways and, in some cases, may negatively affect the value of your property. Allowing them to go unchecked can also lead to the development of black mold, which can cause a number of respiratory issues. Water stains will generally appear for one of the following three reasons:
Perhaps the most common cause of water stains, condensation occurs when warm air meets a cold surface. Stains caused by condensation are often found in the corners of the window sashes and are usually indicative of the room being particularly damp. As such, they are often found on bathroom windows or on the windows nearest to the bathroom.
If your windows have not been installed properly you may notice water stains starting to develop, often on the corners of the window and on the window sill. Alternatively, these sorts of stains may also mean that the sealant used for the windows is no longer fit for purpose. Over time, this leakage can cause serious damage to the window sill, so it is a good idea to catch it early and rectify the issue as soon as you can.
Finally, the most obvious cause of water staining is leaving the windows open, particularly when it is raining or there is a heavy storm. This allows water to enter the home and will often stain an entire window sill, rather than simply the corners. Happily, this is easily rectified by ensuring all of the windows are closed on rainy days.
|Tips For Going Solar - It sounds like a perfect plan. Use the sun’s naturally given energy to source...|
|Fri, 03 Feb 2017 16:05:12 +0100|
Tips For Going Solar
It sounds like a perfect plan. Use the sun’s naturally given energy to source electricity for your house and heat your water. Save money and the environment. But there are a few things to consider before you jump right into installing solar panels (or a photovoltaic [PV] system) across your roof.
Will It Work?
The tricky thing about solar panels is that they need sun. If you live in one of those places that tends to be cloudy all year long, solar panels just might not generate enough energy to be worth it. Consider how much sun your area gets to determine whether installing solar panels will save you money. There are sites online to help calculate how much sun an area gets, and PV installers who have worked in your area before may be able to offer advice.
Consider the Cost
Think of how high your energy bills are right now. Are they really super high, or is it going to cost more to install the panels than it is to pay your monthly bills? Remember of course that solar panels take a few years to pay for themselves, because there is a significant cost to installing them. However, if your energy bills are high, the solar panel route may in fact save you a good deal of money, even if you live in one of those less sunny areas.
Working the System
Look into the option of a grid-tied system. This allows homeowners with extra energy from their solar panels to sell their excess and make an additional profit. The system also comes in handy if you run a bit low on energy yourself, because you have a place to find more.
If you do decide to go solar, make sure to read all the fine print on the contract, including the warranties of all the parts. Hire a reputable installer, and know how much it should cost before you get into it. Once you have everything in place, sit back, relax, and enjoy the sun.