Thursday, October 29, 2009


Your credit score represent your credit worthiness:How you will pay your bills and pay them on time.The Minneapolis-based Fair Isaac Corporation better known as FICO gives a detailed report on how you borrow and repay you debts,into a single three digits.
When you apply for credit,lenders want to know what risk they had taken by loaning money to you.
You have to know your Fico score just as you know your social security number,an access code,a password,because your credit score is your magic three numbers that banks use to determine whether you qualify for credit,and if so,how much interest they will charge you.
The Fico scale ranges from a low 300 to a high 850.The higher your score ,the more likely you will qualify for the low interest rates.You have three FICO scores one from each of the three credit bureaus:
  1. Experian
  2. TransUnion
  3. Equifax

Your credit score is calculated based on:

  1. Your payment history (35 %).
  2. Total debt (30%).
  3. Duration of credit (15)
  4. New credit taken (10%)
  5. Type of credit taken (10%)

This quiz was put together by the Reader's Digest and Fico.Try it too.

1-How long ago have you open your first credit account?

-Less than six months ago (1 point)

-Between six Months to five years (5 points)

-Five years to 20 (8 points)

-More than 20 years ago (10 points)

2-How many loans and credit card have applied for in the past year?

-Zero to two (10 points)

-Three to six (5 points)

-Seven or more (1 point)

3-What is total credit balance?

-No credit card (5 points)

-0 to 999 dollars (10 points)

-1,000 to 4,999 dollars (6 points)

-5,000 to 19,999 dollars( 3 points)

-20,000 plus (1 point)

4-When did you last miss a loan or a credit card payment?

-Never missed (10 point)

-Within the past year (1 point)

-One to four years ago (3 points)

-More than four years ago (5 points)

5-In the past 10 years ,have you passed through a bankruptcy,tax lien,foreclosure,repossession,or been referred to a collection agency?

-Yes( 1 point)

-No 10(points)

Check your result:

-35 to 50 points= Good score

-20 to 34 = Fair score

-5 to 19= Poor score

you can learn more at


Tuesday, October 27, 2009


You may be wondering how to conceive a boy.There are many theories of how to do so.Aside of artificial insemination the gender selection is often a 50/50 proposition.But if you really want a baby boy,the chance is in your side,because there are 51 boys born for every 49 girls.I tried a simple method myself,It worked and I got the gender I wanted to have.
Try my method by contacting me at it is free simple ,natural and with no cost.



The flu is a respiratory illness caused by the Influenza virus.

To decrease your chances of catching the flu follow these steps:

  1. Keep your hands clean.Wash your hands often protect you from germs.

  2. Cover your cough and sneeze.By using a tissue or covering your mouth with your sleeve when you sneeze or cough.

  3. Avoid touching your eyes ,nose and mouth.Virus are often spread when a person touches something that is contaminated with germs and then touches his eyes,nose and mouth.

  4. Avoid close contact.If you are sick stay away from others to protect them from getting sick.

  5. Stay at home when you are sick.Stay home from any public place:work,school,church,theater,stadium...

  6. Get vaccinated.This is an important step toward fighting seasonal flu and H1N1.

According to federal health officials ,the H1N1 flu could affect half of the US. population this year.


The diversity visa program for 2001(DV 2011) is now open.The entry submission period is from October 2, 2009 to November 30, 2009.
If you want to live in United States of America as a permanent resident,this is the time for you to play.The entry is free and once selected, you can live in US with your family.
We offer our free service to everyone who cannot play we will help him to come in USA with the all procedures.From the affidavit of support to the cheap air flight ticket.
Please join me and contact me at