Riddle of The Day

The more you take, the more you leave behind. What are they?

Go here for the Answer. Good luck!
http://wiki.answers.com/Q/The_more_of_them_you_take_the_more_you_leave_behind_what_am_I

Credit Score

Credit scores are made up of 5 components. Below is a breakdown of what makes up your credit score. It is estimated that 80% of credit reports contain errors. When applying for a loan, it is important to work with someone that has the ability to utilize programs that can detect errors and enhance scores before accepting loan terms. The interest rate you are offered for a mortgage loan is based off of your credit score, loan to value, type of loan, type of property and other factors.

1. Paying on time (35 percent)

2. Amount and type of debt (30 percent)

3. Length of time you have been using credit (15 percent)

4. Variety of accounts (10 percent)

5. Number and types of recent inquiries (10 percent)

Your referrals are always appreciated. I count on them to continue my business. If you know of anyone who needs a mortgage review, is looking to purchase or has questions on current mortgage guidelines, please put me into contact with them.

A few tips for PAYING IT FORWARD!


1. Donate unwanted clothing items to a local shelter.

2. Volunteer for community service or with your local church.

3. Sponsor a child.

4. Volunteer at Doernbeckers or at a nearby hospice.

5. Donate blood.

6. Take a minute to stop & pick up a piece of trash while taking a stroll through the park.

7. Stop to lend a helping hand.

8. Offer a hug when you see someone who needs one.

9. Smile at people when you pass them by.

10. Offer to pay for someone's bread when their credit card is declined at the grocery store.

11. Before you get off the bus or train, leave an inspiring book on a seat with a Smile Card.