When a man sets out to buy an engagement ring, he knows the importance of the piece of jewelry he is about to purchase. Not only is the engagement ring a symbol of love, but it is also the one accessory that his bride will wear every day for the rest of her life. For this reason, buying an engagement ring should take time, and the soon-to-be husband should be very careful that he has done the research and exercised all of his options when purchasing the ring.
Choosing a Design
Before looking for a jewelry store that sells engagement rings, a shopper should decide what style of engagement ring he wishes to purchase. Continue reading
In a previous article, we talked about how a credit score is calculated. This information is useful for maintaining or improving your credit score. Today we’re going to dive deeper into what makes a good credit score.
What Credit Score Is Considered Good?
A good credit score sometimes varies with the economy and the political environment within the U.S. A figure of 620 was considered the dividing point between a better credit score and a less desirable credit score until recent years. A slowdown in the economy and the often-tragic list of foreclosures and loan defaults have caused many lenders to raise that figure when a decision must be made on lending money. Basically, a good credit score starts around 700 today.
What Impact Does a Good Credit Score Have?
A loan on a car or a mortgage on a house are considered big-ticket items. Applying for such a loan or mortgage may be an eye-opener for many people. If the credit score the lender obtains is too low, a refusal is almost automatic. The better the credit score the lender obtains, the more negotiating room a person has for a lower interest rate.
How Can You Better Your Credit Score?
The first thing that everyone needs to do is to carefully review their credit report at least annually. If possible, pay to see the credit score at that time. Most organizations charge to reveal that score. That review should include all three of the major credit reporting organizations. If there are any errors, be sure to work to get them corrected.
Next, work at getting credit cards paid down. Most lenders expect that balance to be 25 percent or less of the maximum amount allowed on the card. Then, pay loans and a mortgage as nearly on time as possible. Avoid opening any new account as that has a negative impact on the score. Also, try to avoid authorizing a credit report inquiry as those impact your score.
If a person is working to improve a credit score, another reason to check the score each year is to watch it go up. It may take some time to improve that score, but when a diligent effort is made the score will improve.
Finally, financing your home furniture & electronics through Freedom Furniture can help build your credit. We report good credit to all 3 major credit bureaus.
What Is a Credit Score?
Credit report scores are not calculated the same way by every organization, but some of the features that may impact all credit report scores are listed below:
1. It is not based on income.
This is one of the few things in determining creditworthiness that is most often included by other systems. Continue reading
This is the second article in a two part series on choosing the right living room furniture. The first article discusses the importance of the room size, figuring out a budget, and choosing the appropriate style to fit the tastes of the home.Â
Decorating experts recommend that homeowners begin by selecting a few basic pieces and then choosing accessories that coordinate. A sofa and a coffee table are the two pieces that many people choose first. Continue reading
This is the second article in a two part series on Christmas gift ideas for military. The first article gives several additional ideas to inspire your Christmas gift giving.
Send Hand Warmers
One unique Christmas gift for military members is a set of hand warmers. Continue reading
With patience and time, consumers can perform some actions that will help with credit repair. What they will be required to do is demonstrate that they have learned how to use their credit wisely and that they will be doing so into the future. What caused their scores to go down into the low territory is the fact that they were accepting credit and not paying the money they borrowed in a timely fashion. When these consumers want to begin to do things differently, they may want to follow some of the advice below.
Obtain a Credit Card
One of the best things people can do is obtain a credit card because credit card issuers often report to the three major credit bureaus. Continue reading
With the holiday season right around the corner, most shoppers are already working out their â€˜to buyâ€™ lists, and one item many of them will have is laptops. Be it because they are needed for school, travel, business, gaming or entertainment, laptops have the convenience of portability without many of the limitations the increasingly popular computer pads and tablets have. In fact, the International Data Corporation estimates computer sales will increase by a whopping 16.7% on the back of laptop sales alone. Continue reading
Christmas is a time for sharing, showing love and appreciation, and gift giving. During the holiday season, the men and women who serve in the military should not be forgotten. Although it can be difficult to know what to get them, here are some excellent Christmas gift ideas for military members.
Create a Scrapbook
It is important to note that many military men and women cannot get home to see their families at Christmas. Continue reading
The living room is the heart of the home. Choosing the right pieces to furnish the living room is essential because it is often the first place that visitors see, as well as the place where most families spend the majority of their time. As a result, the living room should be comfortable as well as reflect the overall style of the home.
The most important consideration when purchasing living room furniture is the size of the room. Continue reading
Break into the world of semi-professional photography with Sony’s Alpha55 (SLT-A55VL) DSLR camera. This sporty, affordable model offers a unique Translucent Mirror Technology that allows the camera to auto-focus between shots faster than other DSLR models in the same price range. Not only is its still shot auto-focus incredibly fast, but it offers continual auto-focus while recording video. Continue reading