Tips to increase your Fico Scores

Your Fico scores determine whether or not you can get credit loans on easier terms. If you have a higher Fico score you get rewarded when you are about to buy a house, a car or any other big-ticket item. Fico is the mode of measuring financial risks. The advantages of knowing how to increase Fico scores will help you to qualify for more loans together with best possible interest rates. Below are just a few ways if you want to increase your Fico scores fast.

1) Get a Copy of your Credit Report

The first step to improve Fico scores is to get a copy of your credit report from the major credit bureaus namely TransUnion, Experian or Equifax. Credit reports store the information about all your financial transactions and the money that you owe. FICO score is a method of ascertaining whether you are likely to pay your bills on time or you are a major financial risk to the lenders when you apply for any sort of loan. The benefit of checking your credit reports regularly is to look for any inaccuracy in it. Once they are removed your Fico score will increase. The corrections of errors may take up to 3 months or longer.

2) Paying Off Bills on Time

35% of your credit score is made up by your recent payment history. Increasing your Fico scores demand payment of your all your bills on time.

3) Pay down Credit Card Debt

30% of your Fico score is determined by Credit card debt and revolving charges. More specifically balances that are close to your credit limit can negatively influence your personal credit score. Lenders want you to maintain a lot of room between the amount of your credit card debt and your total credit limits. Most lenders consider a maximum of 30% to 40 % to be perfect. So more the debt you pay off wider will be the gap, which will increase your Fico scores. Creditors will also be happy to lend money.

Stop Closing Old Credit Card Accounts

Closing down old credit card accounts and paying off credit accounts decrease the total amount of credit available to you. It also makes the balances show larger in credit score determination. Closing down your oldest accounts curtails the length of your credit history, which will eventually lower your creditworthiness in the eye of a lender. It is not a good idea again to open new accounts while applying of a new loan, which may lower your Fico scores. In order to be eligible for more loans and obtain best possible interest rates understanding how to increase Fico scores will give you better options and save you a handful of money.

Using "The Power of Consciousness" to Heal Gaia (Mother Earth)

The following blog entry shows a similar idea from two Great Men, Napoleon Hill and Bruce Lipton, in leading the way for building a better world using consciousness...

1. Napoleon Hill's Golden Rule

More than half a century ago, in his book Napoleon Hill’s Golden Rules, after learning from a scientist on how the human cells function in the body, he wrote about his imagination on how the entire human race is working interactively like the cells in a human body.

8<-------------------------------------------excerpt -----------------------------------------

I saw, in my imagination, the entire human race, every living human being on earth, all gathered in one spot and standing in such a position as to form the perfect outline of a human being. At a distance, this seething mass of humanity would resemble one enormous human being. I could see health and success and prosperity for the whole mass as long as there was no discord or misunderstanding between the individuals who constituted the whole. I could see some of the human beings plowing the ground while others were sowing seed and getting ready to produce food. I could see some of the individuals of that enormous gathering working on clothing. I would see still others entertaining the mass with music and causing each individual to be happy and contented.

Perfect harmony prevailed in this imaginary picture. Every individual had plenty to eat and plenty to wear. All were happy and contented. Sorrow and grief were not to be found.

Then, with sudden switch of the imagination, I saw the picture from another angle, an angle which is comparable to the story of the human cells of which the scientist had been telling me. Away down toward the bottom of this great mass of human beings, at a point which would correspond to one of the imaginary giant’s feet, I saw two tiny little human beings get into an argument. They came to blows. Other human beings began to rush up and join in the argument. Pretty soon, one of the entire feet of the imaginary giant had discontinued its regular business, and the ‘‘human cells’’ of which the foot was composed were fighting among themselves. They no longer cooperated. They no longer functioned normally. Pretty soon, the entire body began to feel the loss of one of its feet. It was crippled. It tried to walk but could not move. Other parts of the body commenced to suffer. The body, as a whole, commenced to suffer with hunger because the loss of its foot prevented it from producing food.

Slowly, that enormous body began to wither and go into decay. I could not help comparing it to the individual human body which withers, goes into decay, and finally into death when any group of cells ceases to carry on its normal work.

There is a remedy which is often applied with successful results when the individual cells of the human body begin to ‘‘lie down on the job,’’ and that remedy is to re-establish harmony and cooperation among the cells to the end that they will again function normally.

That same remedy is the one, and probably the only one, which will save the human race and bring it back to normal, healthy, constructive living once more. The same principle which causes the tiny human body cells to function and cooperate in peace and harmony while the individual enjoys a healthy, happy human body applies with equal precision to the entire human race.

8<-------------------------end of excerpt ------------------------------

2. Bruce Lipton's "Spontaneous Evolution"

Video Link to You Tube:<-


And now, Bruce Lipton, a modern internationally recognized leader in bridging science and spirit, has further illustrated the same idea with scientific data and examples in great extend!

In this 50 minutes video clip, it covers many topics which will propel individual onto the path of better consciousness, such as the difference between Subconscious Mind and Conscious Mind, the effect of circumstance on people, how this world became a dog-eat-dog world, and what's the solution to co-create a better world in the very very near future (as the current world system cannot sustain this rate of exponential decay.)

"天下事在局外呐喊议论，总是无益。

必须躬自入局， 挺膺负责 乃有成事之可翼。"

-曾国藩

"For whatever matter it may be, simply by complaining or shouting

outside the scene yet not participating in it will never help.

One must do his part in co-creating the event,

then it can be successful."

- GuoFan,Zeng (A Minister in Qing Dynasty)

Comments:<-

Be Aware of "The Marketing of Madness"!

Protect Yourself and your family Against the Deadly Lies with Truth...

When the citizens cannot depend on their government to protect them against the lies from Pharmaceutical Industry, then it would depend on the self-aware individual to alert one and other...

Below is a documentary exposes the mistakes made by psychiatrists, allies the pharmaceutical industry. It exposes the criminal enterprise we know as psychiatry, and ending with a list of 11 important actions that one can be taken after viewing this shocking and compelling documentary.

Continue watching the video here :->Youtube Link:<-

A quote from the documentary from the Stock Analyst's point of view:

"There are only two disasters than can happen in the drug industry. The first disaster is if you KILL people. The second disaster is if you CURE them."

“Unless we put medical freedom into the Constitution, the time will come when medicine will organize itself into an undercover dictatorship to restrict the art of healing to one class of men and companies and deny equal privileges to others and will constitute the Bastille of medical science.” – Dr. Benjamin Rush, signer of the US Declaration of Independence

Personal Finance (3) : The Business of Making Money from the Market

In this Feburary issue of the "Smart Money" magazine, it takes a look at the America's Top 1% fund managers and find out how big is the profits from this business -- that is Making Money from the Market.

It reveals that recently most mutual funds have been under attack for being under-performed their benchmarks (indices). And, ONLY 7% of actively managed funds were beating their benchmarks by 5% point or more.

And, it gives statistics on the average annual return for the past 5 years for the Top Performers in various area of focus:
*Foreign Stock funds,*U.S. Large Cap Funds,*Global Real Estate Funds, and
*U.S. Small Cap Fund.
Unlike the advertisement that trying to lure the public into the stock market by selling few days seminar that can double your money in a year or two. It may be surprise to some of you that the average annual return (5 yrs) of these Top Performing Funds from various fields range only from 2.2 to 13.8%!!!


Having read this, I thought it would be an interesting research to find out how the world most well known investor, Warren Buffett, was doing recently. And, what conclusions we may derive from it.

The above are two charts showing the 20 years performance of the S&P500 and the Warren's Berkshire Hathaway(BRK-A). And below is an excel sheet showing the historical Average Annual Compounded Return for the chars. (click on those charts and table to zoom in for clear view.)

From the table above, it show the comparison of the historical compunded average return of S&P500 and BRK-A. The table below shows the summary of the result.

Here are some interesting points to observe:


* Like most business in the any industries, the business of making money from the market is getting tougher and tougher! Well, this is simply the fact. As the business in the industries is getting more and more difficult, more companies could go bankrupt or downsize. This would directly reflect from the S&P500 chart.

* Even the best fund manager like Warren Buffet can just beat the S&P500 in single digit percentage over the years.


* Despite the massive money supply created by the governments for the last couple of years, the stock market did not really seems to move up in trend, only the inflation moving up in trend, and apparently annual inflation of food is going up much faster than what the best fund manager can achieve... What would Happen!?




The intention of this blog entry is wish to project a realistic view for those who think to get out from the job immediately and trade the market for a living from scratch. Despite the steep learning curve that would last a couple of years, one must have million dollars to make 100k on annual basis even if he got the skill.


On the other hand, if one were to think of handling their money by themselves, due to too many scams in the financial industry in recent years, after their retirement. It is strongly recommended to start learning the skills at least 10 years before the actual date of retirement... and that is probably the minimum amount of time required on part-time basis. Dig your own well before you are thirsty.

Demonstrating to others that what they believe is wrong can be dangerous.
You can't count on people to recognize the truth when they hear it.
People will fight to preserve their own ignorance.
- lessons from Plato

The Man with the Mission of "Making You Rich"!? - Robert Kiyosaki

Robert Kiyosaki has been well known since his first best selling book "Rich Dad, Poor Dad", which
was published in 2001 (10 years ago). Yes, if you have not read the book, it is strongly recommended
to do so as it is really an inspiring book on personal finance.

Following by this inspirational "Get Rich" concept, multiple books had been published and become
best seller of the time. Especially on the Real Estate Investment Topics during the last US market
Housing Boom since 2003.

Click on the Chart to Zoom in for detail view of time frame

The above stock chart illustrates the Real Estate market in US since 2001 till now. Did he help to fuel 
the last Housing Bubble in the US and cause many investors run into heavy debt eventually, I don't 
know.  But, it just prove few simple facts.

1) Which is with the current society system setup, "NOT ALL PEOPLE CAN BE RICH ALL 
AT ONE TIME." This is true even no matter how hard that everyone is trying their best to read, to 
learn, and to work. See... What happen if all people getting rich and all want to get retire early? Who 
is going to drive the public transportation, who is going to clean the shopping mall, and so on...

2) Getting Rich requires a person to have a long term persistent effort and development on some 
Specialize Knowledges and Wisdoms, which can not be Duplicated like copy a file from one 
computer to another, by simply reading a book or attending a seminar would not get there immediately. 
Similarly, simply by working on a job created by someone else for you (unless you are top executives 
in big corporations which is rare) will not get you rich, nor get you to retirement comfortably in early
age.

Attached are few video clips that take the view from another angle of Robert Kiyosaki teaching. That 
is by holding few days workshop with large group of participants at 45,000 Canadian Dollar per 
person... 


Did you ask the Questions:
"WHO REALLY MAKES WHO RICH?"
"IS THE INTENTION ONLY TO HELP THE RICH TO GET RICHER?"








If you have trouble to see the video clips above, here are the link to youtube.

http://www.youtube.com/watch?v=HE6nT0oyPt8

http://www.youtube.com/watch?v=dv6feHB0AE4&NR=1
http://www.youtube.com/watch?v=9iimvyVCEGA&NR=1

Historically, getting less in number by now despite it has more population on earth ever, there are 

great teachers in many fields, such as spiritual, philosophy, medicine, etc... helping others to have a 

better live. I never heard that they went around helping other by charging them with big lump sum of 

money first. So, what lead human to behave as today? And, more importantly, with the trend going, 

what would be the future look like??? 

No man has a chance to enjoy permanent success

until he begins to look in a mirror for the

real cause of all his mistakes.

- Napoleon Hill

A Catch-22 Situation : Human Population on Earth

In "The Economist", Nov 2010 issue, it has a special report on the aging problem of Japan's population. As it can see from the chart above, "from pyramid to kite", that the age group of the older population slowly become heavier weight than the younger population over time. This would mean that the age group of working class (say, 20-55) that bring home with the paycheck would have a heavier load (financially) to carry. Or the retirement age of the current working generation will have to continuously extend into the future, to a degree that in the future the children and their parents may compete for the same job vacancy!?


Well, may be the apparent solution is to have more new babies??? Which will bring the "Kite Shape" back to a "Pyramid"...


But, then look at the "National Geographic", Jan 2011 issue, that the human population is going to cross the 7 Billion mark some time this year, and it is in a trend of continuous growth towards 9 Billion mark in the next 30 over years! Does this planet earth sill has enough natural resources to sustain such growth in a peace and harmony way?



Well, I don't think there is any one can provide an acceptable official solution to all people and thus there is no public media want to cover both sides of the story.


Anyway, even the first article is using Japan as an example. How about the situation of YOUR COUNTRY???

Here is the Singapore Population Pyramid Projection till 2050.

If there is any difficulty to view the embeded video, click direct on this youtube link:->

http://www.youtube.com/watch?v=qBEn6hcU5uQ

Attached is the link that will provide you with the "Pyramid Chart":-

http://www.census.gov/ipc/www/idb/country.php

Simply select the "Country" and the "Year" can click on the Submit button.
Then, click on the "Population Pyramids" button, and you will get the answer.

Some other relevant links:-
-> PEAK OIL: "Hello World, I Am Here!" <-
It's the Planet, Stupid.
Georgia Guidestones - Wikipedia.
Message at Georgia Guidestones - YouTube.

"The all is one, the one is all."

-Bashar

Self Development Idea (12) - Team and Grow Rich

-----8< ----- Article Cut & Paste from Scientific American MIND, Vol 17 No 3, June/July 2006 -----

Better Than Individuals

When three, four or five people gather to solve a problem, chances are they will succeed beyond the efforts of an equivalent number of individuals working separately, even if those soloists are the brightest available. So conclude researchers at the University of Illinois.

The investigators enrolled 760 of the school’s students to solve complex letter and word problems. Some toiled as individuals while others functioned in groups of two, three, four or fi ve. The groups of three, four and fi ve performed better than any set of individuals.

The dynamic is sensitive, however. Teams of two performed at the same level as two separate people, suggesting that this team size is too small to foster the dynamics that create optimal problem solving. Also interesting is that groups of three, four and five did equally well compared with one another; there was no advantage to adding people beyond a trio.

Study leader Patrick R. Laughlin says that in addition to tackling workplace challenges, problem-solving groups might enhance classroom learning. Further research is needed to determine whether student groups perform better than individuals do in academic settings and, if so, at what ages and tasks.

— Mark Fischetti

--------------------------------------------------------------8< ------------------------------------------------------

Although the result of the above research is nothing new for those who had studied the books by Napoleon Hill, I think it is an excellent articles to illustrate the important point of teamwork.

Napoleon Hill called it the "Master Mind Group"- the power beyond science. In short he described that "The Master Mind effort is to get those of like mind, form an alliance with about 5-6 people as optimum number, to work actively in a spirit of perfect harmony towards accomplishing of a definite purpose."

In my view, this concept is now more valuable than any of the historical time. This is because the knowledge that need to achieve success in the modern society has become so complex that not only the depth, but also the breath of subjects are increasing rapidly which fuel by modern technology.

For example, in the past, a farmer, scientist, doctor, teacher, engineer or any person who have a full time job can concentrate in their work and entrust their life-time saving to the fund managers and banks that would be needed for retirement. But, in this dog-eat-dog era, with too many "Bad Apples" in the market, people has to worry about the ethical issues of their brokers/fund managers, bankruptcy of banks... And even with the possibility of bankruptcy of certain states or the whole country... or yet another round of financial turbulence that might wipe out their saving or loose their job!!! Think about it, what a joke (though not funny but a sad one) for the thousand years of evolution of human history.

Working harder on the job would not solve such problems. Think of it this way:- one would need to fill up a bucket of water as accumulating enough personal retirement fund. But, one cannot fill up a bucket if there are a few leaking holes on it. The more water one fill into it, the more it would leak out.

Anyway, here is a little suggestion... Individual can form team to handle their financial matters, and make sure that at least one person in the term have a compass to navigate through the turbulence market in the future.

"A dwarf standing on the shoulders of a giant

may see farther than a giant himself."

- Didacus Stella.

Here is a blog link for those who are not familiar with the term "Master Mind Group".