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Friday, January 19, 2018

What is a Good Credit Score?

What is a Good Credit Score?
FICO Score                              Vantage Score
What is a Good Credit Score?
For a score with a range between 300-850, a credit score of 700 or above is generally considered good.
A score of 800 or above on the same range is considered to be excellent.
Most credit scores fall between 600 and 750.
Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed.
Credit scores are used by lenders, including banks providing mortgage loans, credit card companies, and even car dealerships financing auto purchases, to make decisions about whether or not to offer your credit (such as a credit card or loan) and what the terms of the offer (such as the interest rate or down payment) will be. There are many different types of credit scores. FICO® Scores and scores by VantageScore are two of the most common types of credit scores, but industry-specific scores also exist.
What is a Good FICO Score?
One of the most well-known types of credit score are FICO Scores, created by the Fair Isaac Corporation. FICO Scores are used by many lenders, and often range from 300 to 850. A FICO Score above 670 is considered a good credit score on these models, and a score above 800 is usually perceived to be exceptional.
What is a Good Vantage Score?
Scores by VantageScore are also types of credit scores that are commonly used by lenders. The VantageScore was developed by the 3 major credit bureaus including Experian, Equifax, and TransUnion. The latest VantageScore 3.0 model uses a range between 300 and 850. A VantageScore above 700 is considered to be good, while above 750 is considered to be excellent.

Factors That Affect Your Credit Scores

The information that impacts a credit score varies depending on the scoring model being used. Credit scores are generally affected by elements in your credit report, such as:
  1. Payment history for loans and credit cards, including the number and severity of late payments
  2. Credit utilization rate
  3. Type, number and age of credit accounts
  4. Total debt
  5. Public records such as bankruptcy, civil judgments, or tax liens
  6. How many new credit accounts you’ve recently opened
  7. Number of inquiries for your credit report
FICO Score Factors:
  1. Most influential: Payment history on loans and credit cards
  2. Highly influential: Total debt and amounts owed
  3. Moderately influential: Length of credit history
  4. Less influential: New credit and credit mix (the types of accounts you have)

VantageScore Factors:
  1. Most influential: Payment history
  2. Highly influential: Age and type of credit, percent of credit limit used
  3. Moderately influential: Total balances and debt
  4. Less influential: Recent credit behavior and inquiries, available credit

Credit scores do not consider the following information:
  1. Your race, color, religion, national origin, sex or marital status (U. S. law prohibits credit scoring formulas from considering these facts, any receipt of public assistance or the exercise of any consumer right under the Consumer Credit Protection Act.)
  2. Your age
  3. Your salary, occupation, title, employer, date employed or employment history (However, lenders may consider this information in making their overall approval decisions.)
  4. Where you live
  5. Certain types of inquiries (requests for your credit report). The score does not count “consumer disclosure inquiry,” which is a request you have made for your own credit report in order to check it. It also does not count “promotional inquiry” requests made by lenders in order to make a “preapproved” credit offer or “account review inquiry” requests made by lenders to review your account with them. Inquiries for employment purposes are also not counted.
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Thursday, January 18, 2018

Herbs You Can Grow In Water

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9 Herbs You Can Grow In Water
Over And Over Again
For Endless Supply

If you have a glass jar and access to fresh water, you can grow a supply of herbs in water right on your windowsill! While any medium -sized container will do, Mason Jars are particularly cute! Growing procedure for all the herbs is the same. Simply take some healthy, fresh cuttings - Leaving just two sets of leaves at the top of each cutting, and remove the remaining leaves. Then, submerge the cuttings in a few inches of clean-water.

Here is a list of such herbs.

1. Peppermint
Grow peppermint in a jar and snip off a bit to make herbal tea, oil or soup. You can also just enjoy the sweet scent of this fragrant herb Peppermint does well in partially sunny or shady windows.

2. Oregano
You can use fresh oregano straight in pasta sauces, soups and other savory dishes. Just use a pair of kitchen scissors to gently remove a few leaves from the stem. Oregano can grow quite large, so keep an eye on your plant.

3. Sage
Sage has a flavorful scent which makes it a popular choice for holistic purposes. You can also use sage with eggs, chicken, lamb or pineapple. Snip as much as you need and add it to your favorite dish. Sage doesn't need a ton of water and should be kept in moderate sunlight

4. Basil
This popular Italian herb grows well in water and can be used in many different recipes including sauces and soups. Make sure your basil jar gets about 6-8 hours of sunlight per day.

5. Stevia
This hardy herb prefers a bit of sun but can grow just as well in shadier areas. You can use the leaves off of this herb to sweeten your tea of coffee naturally! You can also create a powder from the leaves to use as a sweetener too.

6. Thyme
Thyme is a versatile herb. It will flower or you can harvest them before they flower, hang the stems to dry the leaves and then remove the leaves to use in cooking. Thyme needs plenty of sunlight, so set those jars in a bright window.

7. Rosemary
This flavorful herb does well in sunlight or partially shaded areas. It will grow better in full sunlight though. Use your growing’s to spice up your favorite chicken dish!

8. Lemon Balm
You can use the lemon balm herb to create an herbal tea that helps reduce anxiety, relieve symptoms of indigestion and helps make sleep a little easier to come by. Give this plant plenty of sunlight.

9. Chives
This onion family member is super easy to grow and you can use it in a ton of dishes. Make sure this herb has plenty of water and sunlight for best growth results.

For Continues harvest of your herbs, try adding hydroponic nutrients to the water to give your herb a nutrient boost. 

NOTE: The materials and the information contained on Natural ways channel are provided for general and educational purposes only and do not constitute any legal, medical or other professional advice on any subject matter. None of the information on our videos is a substitute for a diagnosis and treatment by your health professional. Always seek the advice of your physician or other qualified health provider prior to starting any new diet or treatment and with any questions you may have regarding a medical condition. If you have or suspect that you have a medical problem, promptly contact your health care provide.

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Wednesday, January 17, 2018


Kitchen Ghosts