Terrarium

Your credit score may be changing soon whether you do anything different or not. New changes are coming to how your FICO credit score is calculated. FICO, a.k.a Fair Isaac Corp, based in Minneapolis, is the company that provides the recipe for credit scores for millions of Americans. In 2008, it is changing its scoring model and this could affect how easily you get credit in the future.

It's called FICO 08 and they claim their new model will do a better job at predicting the likelihood of a borrower defaulting on a loan. It will be more forgiving of consumers who occasionally slip, but will take a harder stance on repeat offenders. They claim this should help lenders reduce default rates on their consumer credit by between 5% and 15%.

The reason?

Lenders desire a more-accurate measure of credit risk because of rising loan defaults as more and more subprime mortgages go bad as well as other types of consumer debt, including auto loans. This has necessitated lenders to tighten up on credit.

The FICO score is used by 90% of the 100 largest banks and have a credit stranglehold over the lives of millions of people. That said, some consumer groups have raised doubts as to whether credit scores accurately measure credit risk for many consumers.

Consumers could start seeing their new FICO scores by the spring. FICO 08 will look very similar to the existing model. Scores will still range from 300 to 850 -- the higher the better -- and the model will continue to use the same metrics, i.e. consumers' debt level, payment history, length of credit history, number of recent credit openings and inquiries, and the type of credit used. These factors will all be used to calculate credit scores.

But the new model will do a better job of separating "good risk" from "bad risk," particularly for subprime borrowers, especially for those looking for new credit.

"Consumers who are low risk will score better with the new FICO version, and consumers who are high risk will score lower," says John Ulzheimer, president of consumer education for Credit.com, a personal-finance Web site.

Higher-risk borrowers may find it tougher to get credit, while low-risk borrowers will find better deals from lenders. Two people having the same FICO score now might see two different scores after FICO 08 because the new model gives more points to consumers who maintain a variety of credit, such as credit cards, a mortgage and auto loan, etc. That's because they can show the ability to manage payments on various types of loans. That said, the new FICO 08 model will penalize those who use a high percentage of their available credit.

It's the consumers responsibility to make sure their information on their credit report is accurate. If consumers feel their FICO score is too low, they need to dispute any erroneous entries with the three main credit bureaus, Experian, TransUnion, and Equifax. Credit repair involves getting a copy of your credit report and if you see any errors or missing information, then disputing any entries you don't agree with and have them either removed or corrected.

Millions of people each year have to deal with the headaches of bad credit. If you are one of them, you are not alone. Getting turned down for credit again and again is incredibly frustrating-I'm sure you'll agree.

Even if you have just one negative item on your credit file, getting it removed could save you thousands of dollars and plenty of grief. It could be the difference between getting approved for credit-or not.

There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights.

Sounds like legal stuff right?

Don't worry, they're simple to understand. What they basically do for you is hold your creditors and credit bureaus responsible-legally. Which means every claim against your credit they have to back up, and prove-which is a beautiful thing.

Here's where it gets good...

Because of those two acts, anyone can get a copy of their three credit reports. They'll charge you a $29 fee to get them, but it's a must. Then you need to sift through them and find the negative items, then work to get as many of them legally removed as possible. Things like late payments, outdated or inaccurate information, judgments, collections...the usual. Basically all the things that home lenders, credit departments, and so on look at when they decide whether to give you that car, home loan, credit card, or interest rate you want.

The bottom line is this...

As a consumer, your rights will still be protected with the new FICO 08. Any information on your credit report that contains inaccurate or negative information can be disputed, and if the bureaus can't prove it to be true, it has to come off your report. Get it removed and your score goes up!

Credit repair is like changing the oil in your car-who has time to do it? I've taken a look at almost every credit repair company on and off the net, and SURPRISE!...they typically charge you as much as $500 or $600 (Some even over a $1,000)"attempt" to repair your credit simply by charging you monthly fees that add up month after month. Sounds ridiculous, but it's reality. I've found one credit repair service I highly recommend because they are not only very good at what they do, they are quite frankly, the most affordable credit repair program I've ever found.

If you sign up now, not only will they send you a FREE Bonus Financial Guide called the "Insider's Guide to Success", better yet, you don't have to pay the $30 for your credit reports. It's included in their service if you act now!

For Low Cost Credit Repair go here: http://www.usfreeads.com/1125352-cls.html

Author Bio: Chris Crawford has been helping consumers become debt-free without bankruptcy for over 4 years. He is a debt specialist in the debt settlement industry helping others with debt negotiation. He provides access to expert personal coaching to help consumers achieve professional results at a fraction of the cost.

As an artist, you've probably already realized that the "creative" end of your profession is handled. It's the "marketing" of your work that is the challenge! In a previous article, I covered some of the key points of traditional Artist Marketing through participating in Art Shows and Festivals. This article will cover one online approach to marketing your work -- Selling on Ebay.

As a venue for selling Art, ebay is a much debated issue. Some artists say that ebay devalues an artist's work and that one should never sell their work on ebay. This is certainly a valid opinion -- a large percentage of ebay buyers are looking for bargains. That being said, here is another way to look at it: selling work on ebay to obtain exposure and advertising of one's work, along with making sales. Let's face it, there is no way to get around the fact that MILLIONS of people visit ebay everyday with the express intent of SHOPPING. It is unlikely that any other online site for marketing artwork will generate that volume of traffic.

A few years ago, before many artists entered the ebay marketplace, competition was light and making money on ebay a bit easier. Presently, ebay has grown to the point where jumping in and making a living selling your art exclusively on ebay would be challenging at best. If you can approach ebay as part of a comprehensive marketing strategy, as opposed to "putting all of your eggs in one basket," the ebay experience can be quite valuable.

As far as selling prices go, yes, often times ebay prices are below other markets. If this bothers you, stop now -- ebay may be a waste of your time. However, if you don't mind having some pieces sell for less than average, the ebay experience can simply mean well spent advertising dollars in addition to income. And what about those customers who paid full price for your work? Business is business. Your response, should they ask, can be that you dedicate a limited number of pieces to auction for advertising purposes. (Countless artists have donated their work to fundraisers, with zero input on the final selling price.) If you are going to "protect" the value of your work, you have to market it...

The actual "how to" of listing items on ebay is quite simple, though time consuming. There is no need for a "how to lesson" here, as every aspect of the ebay selling process is explained through onsite links to additional information. Any questions you have about fees, guidleines, etc. can be found right on ebay with a little patience.

The "philosophy" of the approach is up to you. I will suggest some guidelines for making ebay part of your over all marketing plan:

If you already have your own website, or plan to start one, great. Ebay can be used as a method for getting people to your main site. While you can't advertise your website on an auction page, you can mention your site in the "About Me" section of your Seller Preferences. Also, you can mention your site in correspondence email to anyone who contacts you through ebay or wins one of your listed items. Ebay is quite particular about Sellers advertising other websites (ebay would of course prefer that all business transact through them!) so make sure to exercise care and only respond to those who contact you first. (See the ebay User Agreement for details.)

If you don't maintain your own website, or even if you do, you may want to consider opening an ebay store. It's relatively inexpensive, with basic stores starting at $15.95/month, you can list as many items as you like in the store. Listing fees for store items are far less than listing fees for auction items. Of course, there is a catch -- only auction items show up at the top of a search when folks go looking for items to buy. So, your store items will seldom be found by the average shopper. However, you can advertise your store on your ebay auction pages. So one approach is to continually keep several items up for auction, and loudly declare that you have many more available in your ebay store (active links to your store help!) Also, you will find that after items have been in your store for a period of time, they may be indexed on Google and Froogle! Given the intense competition for site ranking on Google, an ebay store is a great way to get your work out there to be seen.

It probably goes without saying that you will need to post a picture of your artwork, and that image quality is very important. Try to avoid sitting your painting or sculpture on the sofa and just snapping a picture. Well displayed and well lit images will help a great deal. Also, you will need to consider how you plan to ship the item before listing it. Ebay will require you to enter shipping options and pricing that you plan to offer to the winning bidder. You will also need to decide if you are willing to ship internationally or to US-only destinations.

A final note on listing your items, whether at auction or in an ebay store: remember to chose quality keywords! This is most important in the Title line of your item. Put yourself in the buyer's shoes. Few people are probably looking for "Look at this very pretty view of flowers in a vase." A much better title, littered with popular search words, might be: "Floral Painting, Still Life, Art Print, Limited Edition." Ebay provides a list of popular Keywords to assist in your homework.

One great way to prepare yourself for entering the ebay market is to BUY something on ebay! In this case, try buying a piece of art. This will give you experience from the Shoppers perspective on searching, bidding and winning an item. You can use your likes and dislikes of your experience to create a plan all your own!

Artist and Graphic Designer Kelli Swan: Pencil Drawings by Kelli Swan and Graphic Design Services and Sunny Sense - Doberman Inspired Dog Lover Gifts

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When you think to adopt an uncommon pet (not a dog or a cat), first of all you must know that you have to provide custom care for him. There are many uncommon pets you can adopt, like lizards, spiders, horses, ponies, turtles, any type of reptile, exotic birds, and even a wild animal.

For lizards, you must keep them a fresh, clean environment, and a constant source of light is also necessary. Lizards need proper heating environment; is vital to a lizards survival, as it allows for a healthy immune system. You must not let you lizards walk around, otherwise it can bring damage to furniture, carpet, wiring and anything else. There are custom cages for lizards, you can find them at your local pet store. It is necessary to create a friendly environment for lizards, and you can add some rocks in the cage. Rocks should be boiled for 20 minutes before being put in a cage. The cage must be cleaned periodically to ensure the freshness.

A pony require a custom stable where he can rest overnight and a field to run and play with. This involves wide spaces and you can't adopt a pony in the middle of New York. Oh, yes you can if you want, but the pony won't be that happy. He need fresh grass, and an open view. Taking care of a pony or horse is really hard. It needs special food, in large quantities, like oat. He needs straw to lay on. Like any pet, he must be fed regularly, even you're not playing every day with him. If you are not able to, you better hire someone to care for your pony.

If you want to adopt a horse, you must care him exactly like a pony, but the problem is that horses need more attention. They need to run almost every day, horses are made to run. And also you need a trainer to teach your horse the "good manners".

No matter what type of pet you want to adopt, you must first think if you are able to care of him, if not that pet won't be happy. And there are many examples around the world of improper care of pets and even other domestic animals. If you like birds, the best choice is to adopt some canaries. They are so beautiful and sing so nice. Good luck!

For more info about lizards visit lizard pet care.

At little pony names you can choose a name for your new pony.

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